0001387131-22-003161.txt : 20220304 0001387131-22-003161.hdr.sgml : 20220304 20220304090104 ACCESSION NUMBER: 0001387131-22-003161 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 121 CONFORMED PERIOD OF REPORT: 20211231 FILED AS OF DATE: 20220304 DATE AS OF CHANGE: 20220304 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BANK OF SOUTH CAROLINA CORP CENTRAL INDEX KEY: 0001007273 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 571021355 STATE OF INCORPORATION: SC FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-27702 FILM NUMBER: 22712209 BUSINESS ADDRESS: STREET 1: 256 MEETING ST STREET 2: P O BOX 538 CITY: CHARLESTON STATE: SC ZIP: 29402 BUSINESS PHONE: 803 724 1500 MAIL ADDRESS: STREET 1: 256 MEETING STREET CITY: CHARLESTON STATE: SC ZIP: 29402 10-K 1 bksc-10k_123121.htm ANNUAL REPORT
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UNITED STATES  

SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

 

FORM 10-K

 

☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 

For the fiscal year ended December 31, 2021

 

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 

For the transition period from __________ to __________

 

Commission file number: 0-27702

 

BANK OF SOUTH CAROLINA CORPORATION

(Exact name of registrant as specified in its charter)

 

 South Carolina   57-1021355
(State or other jurisdiction of   (IRS Employer
incorporation or organization)   Identification Number)
     
256 Meeting Street, Charleston, SC   29401
(Address of principal executive offices)   (Zip Code)

 

Issuer’s telephone number: (843) 724-1500

 

Securities registered pursuant to Section 12(b) of the Act:

 

Title of each class Trading Symbol(s) Name of each exchange on which registered
Common stock BKSC NASDAQ

 

Securities registered under Section 12(b) of the Exchange Act:

 

  Common Stock  
   (Title of Class)  

 

Securities registered under Section 12(g) of the Exchange Act: None

 

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. 

☐ Yes ☒ No

 

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. 

☐ Yes ☒ No

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. 

Yes ☒ No ☐

 

Indicate by check mark whether the registrant has submitted electronically, if any, every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for a shorter period that the registrant was required to submit). 

Yes ☒ No ☐

 

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. ☐

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

 

  Large accelerated filer  ☐   Accelerated filer ☐
  Non-accelerated filer ☐   Smaller reporting company ☒
  (Do not check if a smaller reporting company)     Emerging growth company ☐

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period by complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

 

Aggregate market value of the voting stock held by non-affiliates, computed by reference to the closing price of such stock on June 30, 2021 was $73,575,011.

 

As of February 24, 2022, the Registrant has outstanding 5,543,976 shares of common stock.

 

 

 

 

 

BANK OF SOUTH CAROLINA CORPORATION

AND SUBSIDIARY

 

Table of Contents

 

PART I

 

    Page
   
Item 1. Business 3
Item 1A. Risk Factors 9
Item 1B. Unresolved Staff Comments 9
Item 2. Properties 9
Item 3. Legal Proceedings 9
Item 4. Mine Safety Disclosures 9
   
PART II  
   
Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 10
Item 6. [Reserved] 12
Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations 13
Item 7A. Quantitative and Qualitative Disclosures About Market Risk 36
Item 8. Financial Statements and Supplementary Data 37
Item 9. Changes In and Disagreements With Accountants on Accounting and Financial Disclosure 78
Item 9A. Controls and Procedures 78
Item 9B. Other Information 78
   
PART III  
   
Item 10. Directors, Executive Officers, Promoters and Corporate Governance 79
Item 11. Executive Compensation 79
Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters 79
Item 13. Certain Relationships and Related Transactions, and Director Independence 80
Item 14. Principal Accounting Fees and Services 80
   
PART IV  
   
Item 15. Exhibits and Financial Statement Schedules 81

2 

 

 

PART I

 

CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS

 

This report, including information included or incorporated by reference in this document, contains statements that constitute “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1934. We desire to take advantage of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1996 and are including this statement for the express purpose of availing the Bank of South Carolina Corporation (the “Company”) of protections of such safe harbor with respect to all “forward-looking statements” contained in this Form 10-K. Forward-looking statements may relate to, among other matters, the financial condition, results of operations, plans, objectives, future performance, and business of the Company. Forward-looking statements are based on many assumptions and estimates and are not guarantees of future performance. Our actual results may differ materially from those anticipated in any forward-looking statements, as they will depend on many factors about which we are unsure, including many factors that are beyond our control. The words “may,” “would,” “could,” “should,” “will,” “expect,” “anticipate,” “predict,” “project,” “potential,” “continue,” “assume,” “believe,” “intend,” “plan,” “forecast,” “goal,” and “estimate,” as well as similar expressions, are meant to identify such forward-looking statements. Potential risks and uncertainties that could cause our actual results to differ materially from those anticipated in our forward-looking statements include, without limitations, those described below:

 

●Risk from changes in economic, monetary policy, and industry conditions

●Changes in interest rates, shape of the yield curve, deposit rates, the net interest margin and funding sources

●Market risk (including net income at risk analysis and economic value of equity risk analysis) and inflation

●Risk inherent in making loans including repayment risks and changes in the value of collateral

●Loan growth, the adequacy of the allowance for loan losses, provisions for loan losses, and the assessment of problem loans

●Level, composition, and re-pricing characteristics of the securities portfolio

●Deposit growth and changes in the mix or type of deposit products and services

●Continued availability of senior management and ability to attract and retain key personnel

●Technological changes

●Increased cybersecurity risk, including potential business disruptions or financial losses

●Ability to control expenses

●Ability to compete in our industry and competitive pressures among depository and other financial institutions

●Changes in compensation

●Risks associated with income taxes including potential for adverse adjustments

●Changes in accounting policies and practices

●Changes in regulatory actions, including the potential for adverse adjustments

●Recently enacted or proposed legislation and changes in political conditions

●Pandemic risk, including COVID-19, and related quarantine and/or stay-at-home policies and restrictions

●Impact of COVID-19 on the collectability of loans

 

We will undertake no obligation to update any forward-looking statement to reflect events or circumstances after the date on which such statement is made to reflect the occurrence of unanticipated events. In addition, certain statements in future filings with the SEC, in our press releases, and in oral and written statements, which are not statements of historical fact, constitute forward-looking statements.

 

Item 1. Business

 

General

 

The Bank of South Carolina (the “Bank”) was organized on October 22, 1986 and opened for business as a state-chartered financial institution on February 26, 1987, in Charleston, South Carolina. The Bank was reorganized into a wholly owned subsidiary of the Company, effective April 17, 1995. At the time of the reorganization, each outstanding share of the Bank was exchanged for two shares of Company stock.

 

Market Area

 

The Bank operates as an independent, community oriented, commercial bank providing a broad range of financial services and products to the Charleston – North Charleston metro area, which includes Charleston, Berkeley, and Dorchester county. We have five banking house locations: 256 Meeting Street, Charleston, SC; 100 North Main Street, Summerville, SC; 1337 Chuck Dawley Boulevard, Mt. Pleasant, SC; 2027 Sam Rittenberg Boulevard, Charleston, SC; and 9403 Highway 78, North Charleston, SC. We also have a future banking house location at 1730 Maybank Highway, Charleston, SC that is scheduled to open in June 2023.

 

3 

 

 

The Charleston – North Charleston metro area grew 11.79% from 2015 to 2020 according to the U.S. Bureau of Economic Analysis based on real gross domestic product. Prior to the economic contraction resulting from government-imposed shutdowns imposed at the onset of the COVID-19 pandemic in March 2020, real gross domestic product grew 15.27% from 2015 – 2019. Charleston and Berkeley counties are ranked in the top ten economies in South Carolina based on real gross domestic product according to the U.S. Bureau of Economic Analysis. The largest nonfarm employers in our market area are trade, transportation, and utilities; government; and professional and business services. Trade, transportation and utilities has been the main economic driver of the growth in the area over the last five years. This includes manufacturing campuses for Boeing, Volvo Cars, and Mercedes-Benz Vans in the area. Based on Bureau of Labor Statistics, in October 2021 the Charleston area unemployment rate was 2.8% compared to 4.6% nationally. The Charleston area continues to rank higher than the other major metropolitan areas of the state of South Carolina in talent, innovative capacity, entrepreneurial and business environment, and livability.

 

References to “we,” “us,” “our,” “the Bank,” or “the Company” refer to the parent and its subsidiary, that are consolidated for financial reporting purposes.

 

The Company (ticker symbol: BKSC) is publicly traded on the National Association of Securities Dealers Automated Quotations (“NASDAQ”), and is under the reporting authority of the SEC. All of our electronic filings with the SEC, including our Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K and other documents filed or furnished pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934, are accessible at no cost on our website, http://www.banksc.com, through the “Investor Relations” link. Our filings are also available through the SEC’s web site at http://www.sec.gov or by calling 1-800-SEC-0330.

 

Competition

 

The financial services industry is highly competitive. We face competition in attracting deposits and originating loans based upon a variety of factors including:

 

●interest rates offered on deposit accounts

●interest rates charged on loans

●credit and service charges

●the quality of services rendered

●the convenience of banking facilities and other delivery channels

●relative lending limits in the case of loans

●increase in non-banking financial institutions providing similar services

●continued consolidation, and

●legislative, regulatory, economic, and technological changes.

 

We compete with commercial banks, savings institutions, finance companies, credit unions and other financial services companies. Many of our larger commercial bank competitors have greater name recognition and offer certain services that we do not. However, we believe that we have developed an effective competitive advantage in our market area by emphasizing exceptional service and knowledge of local trends and conditions.

 

Lending Activities

 

We focus our lending activities on small and middle market businesses, professionals and individuals in our geographic markets and typically require personal guarantees. Our primary lending activities are for commercial, commercial real estate, and consumer purposes, with the largest category being commercial real estate. Most of our lending activity is to borrowers within our market area.

 

Commercial Loans

 

As of December 31, 2021, $45.8 million, or 14.94%, of our loan portfolio consisted of commercial loans. We originate various types of secured and unsecured commercial loans to customers in our market area in order to provide customers with working capital and funds for other general business purposes. The terms of these loans generally range from less than one year to 10 years. These loans bear either a fixed interest rate or an interest rate linked to a variable market index, depending on the individual loan, its purpose, and underwriting of that loan.

 

Commercial credit decisions are based upon our credit assessment of each applicant. We evaluate the applicant’s ability to repay in accordance with the proposed terms of the loan and assess the risks involved. In addition to evaluating the applicant’s financial statements, we consider the adequacy of the primary and secondary sources of repayment for the loan. Credit agency reports of the applicant’s personal credit history supplement our analysis of the applicant’s creditworthiness. In addition, collateral supporting a secured transaction is analyzed to determine its marketability. Commercial business loans generally have higher interest rates than residential loans of a similar duration because they have a higher risk of default with repayment generally depending on the successful operation of the borrower’s business and the adequacy of any collateral.

 

Commercial Real Estate Loans

 

As of December 31, 2021, commercial real estate construction loans comprised $12.1 million, or 3.93%, of our loan portfolio. We make construction loans for commercial properties to businesses. Advances on construction loans are made in accordance with a schedule reflecting the cost of construction. Loans are typically underwritten with a maximum loan to value ratio of 80% based on current appraisals with value defined as the purchase price, appraised value, or cost of construction, whichever is lower. Repayment of construction loans on non-residential and income-producing properties is normally attributable to rental income, income from the borrower’s operating entity, or the sale of the property. Construction loans are interest-only during the construction period, which typically does not exceed twelve months, and are often amortized or paid-off with permanent financing.

 

4 

 

 

Before making a commitment to fund a construction loan, we require an appraisal of the property by a state-certified or state-licensed appraiser. We review and inspect properties before disbursement of funds during the term of the construction loan.

 

Construction financing generally involves greater credit risk than long-term financing on improved, owner-occupied real estate. Risk of loss on a construction loan depends largely upon the accuracy of the initial estimated value of the property at completion of construction compared to the estimated cost (including interest) of construction and other assumptions. Construction loans also expose us to risk that improvements will not be completed on time in accordance with specifications and projected costs.

 

As of December 31, 2021, $165.7 million, or 54.04%, of our loan portfolio consisted of other commercial real estate loans, excluding commercial construction loans. Properties securing our commercial real estate loans are primarily comprised of business owner-occupied properties, small office buildings and office suites, and income-producing real estate.

 

We base our decision to lend primarily on the economic viability of the property and the creditworthiness of the borrower. In evaluating a proposed commercial real estate loan, we emphasize the ratio of the property’s projected net cash flow to the loan’s debt service requirement computed after a deduction for an appropriate vacancy factor and reasonable expenses. We typically require property casualty insurance, title insurance, earthquake insurance, wind and hail coverage, and, if appropriate, flood insurance, in order to protect our security interest in the underlying property.

 

Commercial real estate loans generally carry higher credit risks than our other lending activities, as they typically involve larger loan balances concentrated with single borrowers or a group of related borrowers. In addition, the payment of loans secured by income-producing properties typically depends on the successful operation of the property, as repayment of the loan generally is largely dependent upon sufficient income from the property to cover operating expenses and debt service. Changes in economic conditions not within the control of the borrower or lender could affect the value of the underlying collateral or the future cash flow of the property.

 

Consumer Loans

 

Consumer real estate loans were $71.3 million, or 23.26%, of the loan portfolio as of December 31, 2021. Consumer real estate loans consist of consumer construction loans, home equity lines of credit (“HELOCs”), and mortgage originations. We make mortgage and construction loans for owner-occupied residential properties. Advances on construction loans are in accordance with a schedule reflecting the cost of construction, but are limited to a maximum loan-to-value ratio of 80%. Before making a commitment to fund a construction loan, we require an appraisal of the property by a state-certified or state-licensed appraiser. We review and inspect properties before disbursement of funds during the term of the construction loan. Similar to commercial real estate construction financing, consumer construction financing generally involves greater credit risk than long-term financing on improved, owner-occupied real estate. Risk of loss on a construction loan depends largely upon the accuracy of the initial estimated value of the property at completion of construction compared to the estimated cost (including interest) of construction and other assumptions. Construction loans also expose us to risk that improvements will not be completed on time in accordance with plans, specifications, and projected costs.

 

This category of loans consists of loans secured by first or second mortgages on primary residences and originate as adjustable-rate or fixed-rate loans. Owner-occupied properties located in the Company’s market area serve as the collateral for these loans. The Company currently originates residential mortgage loans for our portfolio with a maximum loan-to-value ratio of 80% for traditional owner-occupied homes.

 

We offer home equity loans and lines of credit secured by the borrower’s primary or secondary residence. Our home equity loans and lines of credit currently originate with an adjustable- rate with a floor. We generally underwrite home equity loans and lines of credit with the same criteria that we use to underwrite mortgage loans to be sold. For a borrower’s primary and secondary residences, home equity loans and lines of credit are typically underwritten with a maximum loan-to-value ratio of 80% when combined with the principal balance of the existing mortgage loan. We require a current appraisal or internally prepared real estate evaluations on home equity loans and lines of credit. At the time we close a home equity loan or line of credit, we record a mortgage to perfect our security interest in the underlying collateral.

 

Other consumer loans totaled $3.8 million, or 1.23% of the loan portfolio, as of December 31, 2021. These loans are originated for various purposes, including the purchase of automobiles, boats, and other personal items or needs.

 

Consumer loans may entail greater credit risk than mortgage loans to be sold, particularly in the case of consumer loans that are unsecured or are secured by rapidly depreciable assets, such as automobiles. In addition, consumer loan collections are dependent on the borrower’s continuing financial stability, and thus are more likely to be affected by adverse personal circumstances. The application of various federal and state laws, including bankruptcy and insolvency laws, may also limit the amount which can be recovered on such loans.

 

5 

 

 

Paycheck Protection Program

 

Paycheck Protection Program (“PPP”) loans were $8.0 million, or 2.60% of the loan portfolio as of December 31, 2021, compared to $32.4 million, or 10.11% of the loan portfolio, as of December 31, 2020. On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) was signed into law, which established the Paycheck Protection Program (“PPP”) and allocated $349.0 billion of loans to be issued by financial institutions. On December 27, 2020, the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (“Economic Aid Act”) was enacted, which reauthorized lending under the PPP program through March 31, 2021, with an additional $325.0 billion. Under the program, the Small Business Administration (“SBA”) will forgive loans, in whole or in part, made by approved lenders to eligible borrowers for payroll and other permitted purposes in accordance with the requirements of the program. These loans were originated to assist small businesses affected by the coronavirus. The Bank originated $55.3 million in PPP loans to 480 customers as of December 31, 2021.

 

These loans are 100% guaranteed by the SBA.

 

Loan Approval Procedures and Authority

 

Our lending activities follow written, non-discriminatory underwriting standards and loan origination procedures established by the Board of Directors of the Bank. The loan approval process is intended to assess the borrower’s ability to repay the loan and the value of the collateral that will secure the loan. To assess the borrower’s ability to repay, we review the borrower’s employment, credit history, and other information on the historical and projected income and expenses of the borrower.

 

The objectives of our lending program are to:

 

1.Establish a sound asset structure

2.Provide a sound and profitable loan portfolio to:

a) Minimize risk to depositors’ funds

b) Maximize the shareholders’ return on their investment

3.Promote the stable economic growth and development of the market area served by the Bank

4.Comply with all regulatory agency requirements and applicable law

 

The underwriting standards and loan origination procedures include officer lending limits, which are approved by the Board of Directors. The individual secured/unsecured lending authority of the President/Chief Executive Officer of the Bank is set at $1,500,000 and the individual secured/unsecured lending authority of the Senior Lender/Executive Vice President is set at $750,000. The President/Chief Executive Officer of the Bank and the Senior Lender/Executive Vice President may jointly lend up to 10% of the Bank’s unimpaired capital for the previous quarter end. In the absence of either of the above, the other may, jointly with the approval of either the Chairman of the Board of Directors or a majority of the Loan Committee of the Board of Directors, lend up to 10% of the Bank’s unimpaired capital for the previous quarter end. The Board of Directors, with two-thirds vote, may approve the aggregate credit in excess of this limit but may not exceed 15% of the Bank’s unimpaired capital. Loan limits apply to the total direct and indirect liability of the borrower. All loans above the loan officer’s authority must have the approval of a loan officer with the authority to approve a loan of that amount. Pooling of loan authority is not allowed except as outlined above for the President/Chief Executive Officer, Senior Lender/Executive Vice President, Chairman of the Board of Directors, and a majority of the Loan Committee or two-thirds of the Board of Directors.

 

All new credit which results in aggregate direct, indirect, and related credit, not under an approved line of credit of a threshold set forth in our loan policy, with the exceptions of mortgage loans in the process of being sold to investors and loans secured by properly margined negotiable securities traded on an established market or other cash collateral, are reviewed in detail on a monthly basis by the Loan Committee. Certain new credits that meet a higher threshold than required for the Loan Committee are reviewed by the Board of Directors of the Bank at its regular monthly meeting.

 

Employees

 

At December 31, 2021, we employed 81 people, with one individual considered hourly, none of whom are subject to a collective bargaining agreement. We provide a variety of benefit programs including an Employee Stock Ownership Plan and Trust; Stock Incentive Plan; and health, life, disability and other insurance. We believe our relationship with our employees is excellent.

 

Supervision and Regulation

 

We are subject to extensive state and federal banking laws and regulations that impose specific requirements or restrictions and provide for general regulatory oversight of virtually all aspects of operations. The regulations are primarily intended to protect depositors, customers, and the integrity of the U.S. banking system and capital markets. The following information describes some of the more significant laws and regulations applicable to us. The description is qualified in its entirety by reference to the applicable laws and regulations. Proposals to change the laws and regulations governing the banking industry are frequently raised in Congress, state legislatures, and with the various bank regulatory agencies. Changes in applicable laws or regulations, or a change in the way such laws or regulations are interpreted by regulatory agencies or courts, may have a material impact on our business operations and earnings.

 

6 

 

 

Dodd-Frank Act

 

On July 21, 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”) became effective. This law has broadly affected the financial services industry by implementing changes to the financial regulatory landscape aimed at strengthening the sound operation of the financial services industry. This legislation will continue to significantly change the current bank regulatory structure and affect the lending, deposit, investment, trading and operating activities of financial institutions and their holding companies, including the Company and the Bank.

 

The Dodd-Frank Act created the Consumer Financial Protection Bureau (the “CFPB”) to centralize responsibility for consumer financial protection, including implementing, examining and enforcing compliance with federal consumer financial laws. The CFPB exercises supervisory review of banks under its jurisdiction. The CFPB focuses its rulemaking in several areas, particularly in the areas of mortgage reform involving the Real Estate Settlement Procedures Act, the Truth in Lending Act, the Equal Credit Opportunity Act, and the Fair Debt Collection Practices Act. There are many provisions in the Dodd-Frank Act mandating regulators to adopt new regulations and conduct studies upon which future regulation may be based. Governmental intervention and new regulations could materially and adversely affect our business, financial condition and results of operations.

 

Volcker Rule

 

Section 619 of the Dodd-Frank Act, known as the “Volcker Rule,” prohibits any bank, bank holding company, or affiliate (referred to collectively as “banking entities”) from engaging in two types of activities: proprietary trading and the ownership or sponsorship of private equity or hedge funds that are referred to as covered funds. Proprietary trading, in general, is trading in securities on a short-term basis for a banking entity’s own account. In December 2013, federal banking agencies, the SEC and the Commodity Futures Trading Commission, finalized a regulation to implement the Volcker Rule. As of December 31, 2021, the Company has evaluated our securities portfolio and has determined that we do not hold any covered funds.

 

Bank Holding Company Act

 

The Company is a one-bank holding company under the Federal Bank Holding Company Act of 1956, as amended. As a result, the Company is primarily subject to the supervision, examination and reporting requirements of the Board of Governors (the “Federal Reserve Board”) of the Federal Reserve Bank (the “Federal Reserve”) under the act and its regulations promulgated thereunder.

 

Capital Requirements

 

The Federal Reserve Board imposes certain capital requirements on the Company under the Bank Holding Company Act, including a minimum leverage ratio and minimum ratio of “qualifying” capital to risk-weighted assets or a community bank leverage ratio for qualifying community banking organizations. These requirements are essentially the same as those that apply to the Bank and are described under “Regulatory Capital Requirements” in the notes to the consolidated financial statements (see Note 18). The ability of the Company to pay dividends to shareholders depends on the Bank’s ability to pay dividends to the Company, which is subject to regulatory restrictions as described below in “Dividends.”

 

Standards for Safety and Soundness

 

The Federal Deposit Insurance Act requires the federal banking regulatory agencies to prescribe, by regulation or guidelines, operational and managerial standards for all insured depository institutions relating to (1) internal controls, information systems and internal audit systems, (2) loan documentation, (3) credit underwriting, (4) interest rate risk exposure, and (5) asset growth. The agencies also must prescribe standards for asset quality, earnings, and stock valuation, as well as standards for compensation, fees, and benefits. The federal banking agencies have adopted regulations and “Interagency Guidelines Establishing Standards for Safety and Soundness” to implement these required standards. These guidelines set forth the safety and soundness standards that the federal banking agencies use to identify and address problems at insured depository institutions before capital becomes impaired.

 

Regulatory Examination

 

All insured institutions must undergo regular on-site examinations by their appropriate banking agency. The cost of examinations of insured depository institutions and any affiliates may be assessed by the appropriate banking agency against each institution or affiliate, as it deems necessary or appropriate. Insured institutions are required to submit annual reports to the Federal Deposit Insurance Corporation (“FDIC”), their federal regulatory agency, and state supervisor, when applicable. As a state-chartered bank located in South Carolina, the Bank is also subject to the regulations of the South Carolina State Board of Financial Institutions.

 

The federal banking regulatory agencies prescribe, by regulation, standards for all insured depository institutions and depository institution holding companies relating to, among other things, the following:

 

●Internal controls

●Information systems and audit systems

●Loan documentation

●Credit underwriting

●Interest rate risk exposure

●Asset quality

 

7 

 

 

●Liquidity

●Capital adequacy

●Bank Secrecy Act

●Sensitivity to market risk

 

Transactions with Affiliates and Insiders

 

We are subject to certain restrictions on extensions of credit to executive officers, directors, certain principal shareholders, and their related interests. Such extensions of credit must be made on substantially the same terms, including interest rates, and collateral, as those prevailing at the time for comparable transactions with third parties and must not involve more than the normal risk of repayment or present other unfavorable features.

 

Dividends

 

The Company’s principal source of cash flow, including cash flow to pay dividends to its shareholders, is dividends it receives from the Bank. Statutory and regulatory limitations apply to the Bank’s payment of dividends to the Company. As a general rule, the amount of a dividend may not exceed, without prior regulatory approval, the sum of net income in the calendar year to date and the retained net earnings of the immediately preceding two calendar years. A depository institution may not pay any dividend, without regulatory approval, if payment would cause the institution to become undercapitalized or if it already is undercapitalized.

 

Consumer Protection Regulations

 

Activities of the Bank are subject to a variety of statutes and regulations designed to protect consumers. Interest and other charges collected by the Bank are subject to state usury laws and federal laws concerning interest rates. Our loan operations are also subject to federal laws applicable to credit transactions, such as:

 

●The federal Truth-In-Lending Act, which governs disclosures of credit terms to consumer borrowers

●The Home Mortgage Disclosure Act of 1975, which requires financial institutions to provide information to enable the public and public officials to determine whether a financial institution is fulfilling its obligation to help meet the housing needs of the community it serves

●The Fair Lending Act, which requires fair, equitable, and nondiscriminatory access to credit for consumers

●The Equal Credit Opportunity Act, which prohibits discrimination on the basis of race, creed or other prohibited factors in extending credit

●The Fair Credit Reporting Act of 1978, which governs the use and provision of information to credit reporting agencies

●The Fair Debt Collection Act, which governs the manner in which consumer debt may be collected by collection agencies

●The Gramm - Leach - Bliley Act, which governs the protection of consumer information

●The rules and regulations of the various federal agencies charged with the responsibility of implementing such federal laws

 

The deposit operations of the Bank also are subject to:

 

●The Right to Financial Privacy Act, which imposes a duty to maintain confidentiality of consumer financial records and prescribes procedures for complying with administrative subpoenas of financial records

●The Electronic Funds Transfer Act and Regulation E, issued by the Federal Reserve Board to implement the act, which govern automatic deposits to and withdrawals from deposit accounts and customer’s rights and liabilities arising from the use of automated teller machines and other electronic banking services

●Regulation DD, which implements the Truth in Savings Act to enable consumers to make informed decisions about deposit accounts at depository institutions.

 

Enforcement Powers

 

The Company is subject to supervision and examination by the FDIC, the Federal Reserve and the South Carolina State Board of Financial Institutions. The Bank is subject to extensive federal and state regulations that significantly affect business and activities. These regulatory bodies have broad authority to implement standards and to initiate proceedings designed to prohibit depository institutions from engaging in activities that represent unsafe or unsound banking practices or constitute violations of applicable laws, rules, regulations, administrative orders, or written agreements with regulators. These regulatory bodies are authorized to take action against institutions that fail to meet such standards, including the assessment of civil monetary penalties, the issuance of cease-and-desist orders, and other actions.

 

Bank Secrecy Act/Anti-Money Laundering

 

We are subject to the Bank Secrecy Act and other anti-money laundering laws and regulations, including the USA Patriot Act of 2001 (“USA Patriot Act”). We must maintain a Bank Secrecy Act Program that includes established internal policies, procedures, and controls; a designated compliance officer; an ongoing employee-training program; and testing of the program by an independent audit function. The enactment of the USA Patriot Act amended and expanded the focus of the Bank Secrecy Act to facilitate information sharing among governmental entities and the Company for the purpose of combating terrorism and money laundering. It improves anti-money laundering and financial transparency laws, information collection tools and the enforcement mechanics for the U.S. government. These provisions include (a) standards for verifying customer identification at account opening; (b) rules to promote cooperation among financial institutions, regulators, and law enforcement entities in identifying parties that may be involved in terrorism or money laundering; (c) reports by nonfinancial trades and businesses filed with the U.S. Treasury’s Financial Crimes Enforcement Network for transactions exceeding $10,000; (d) suspicious activities reports by brokers and dealers if they believe a customer may be violating U.S. laws; and (e) regulations and enhanced due diligence requirements for financial institutions that administer, maintain, or manage private bank accounts or correspondent accounts for non-U.S. persons.

 

8 

 

 

Similar in purpose to the Bank Secrecy Act, the Office of Foreign Assets Control (“OFAC”), a division of the U.S. Department of Treasury, controls and imposes economic and trade sanctions based on U.S. foreign policy and national security goals against targeted countries and individuals based on threats to foreign policy, national security, or the U.S. economy. OFAC has and will send banking regulatory agencies lists of names of individuals and organizations suspected of aiding, concealing, or engaging in terrorist acts. Among other things, the Bank must block transactions with or accounts of sanctioned persons and report those transactions after their occurrence.

 

Bank regulators routinely examine institutions for compliance with these obligations and are required to consider compliance in connection with the regulatory review of applications.

 

Privacy and Credit Reporting

 

In connection with our lending activities, we are subject to a number of federal laws designed to protect borrowers and promote lending to various sectors of the economy and population. These include the Equal Credit Opportunity Act, the Truth-in-Lending Act, the Home Mortgage Disclosure Act, the Real Estate Settlement Procedures Act, and the Community Reinvestment Act (the “CRA”). The CRA requires the appropriate federal banking agency, in connection with its examination of a bank, to assess the bank’s record in meeting the credit needs of the communities served by the bank, including low and moderate income neighborhoods. Under the CRA, institutions are assigned a rating of “outstanding,” “satisfactory,” “needs to improve,” or “substantial non-compliance.” In addition, federal banking regulators, pursuant to the Gramm-Leach-Bliley Act, have enacted regulations limiting the ability of banks and other financial institutions to disclose nonpublic consumer information to non-affiliated third parties. The regulations require disclosure of privacy policies and allow consumers to prevent certain personal information from being shared with nonaffiliated third parties.

 

Item 1A.Risk Factors

 

Under the filer category of “smaller reporting company”, as defined in Rule 12b-2 of the Exchange Act, the Company is not required to provide information requested by Part I, Item 1A of its Form 10-K.

 

Item 1B.Unresolved Staff Comments

 

None.

 

Item 2.Properties

 

The Company’s headquarters is located at 256 Meeting Street in downtown Charleston, South Carolina. This site is also the location of the main office of the Bank. The Bank also operates from four additional locations: 100 North Main Street, Summerville, SC; 1337 Chuck Dawley Boulevard, Mount Pleasant, SC; 2027 Sam Rittenberg Boulevard, Charleston, SC; and 9403 Highway 78, North Charleston, SC. The Bank also plans to open an additional banking location in June 2023 at 1730 Maybank Highway, Charleston, SC. The Company owns the 2027 Sam Rittenberg Boulevard location, which houses the Operations Department of the Bank as well as a banking office. The Company leases all other locations, including the future banking location. The owned location is not encumbered and all of the leases have renewal options. Each banking location is suitable and adequate for banking operations.

 

Item 3.Legal Proceedings

 

In our opinion, there are no legal proceedings pending other than routine litigation incidental to the Company’s business involving amounts that are not material to our financial condition.

 

Item 4.Mine Safety Disclosures

 

Not applicable.

 

9 

 

 

PART II

 

Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities

 

At December 31, 2021, there were 5,841,240 shares issued and 5,541,266 shares outstanding of the 12,000,000 authorized shares of common stock of the Company. Our common stock is traded on the NASDAQ under the trading symbol “BKSC”.

 

Information regarding the historical market prices of our common stock and dividends declared on that stock is shown below.

 

   High   Low   Dividends 
2021               
Quarter ended March 31, 2021  $23.28   $16.00   $0.27 
Quarter ended June 30, 2021  $22.70   $19.81   $0.17 
Quarter ended September 30, 2021  $22.84   $19.64   $0.17 
Quarter ended December 31, 2021  $20.60   $19.79   $0.17 
                
2020               
Quarter ended March 31, 2020  $19.39   $11.65   $0.16 
Quarter ended June 30, 2020  $18.19   $13.75   $0.16 
Quarter ended September 30, 2020  $17.18   $15.69   $0.17 
Quarter ended December 31, 2020  $16.91   $15.95   $0.17 
                
2019               
Quarter ended March 31, 2019  $19.30   $18.12   $0.16 
Quarter ended June 30, 2019  $20.01   $17.52   $0.16 
Quarter ended September 30, 2019  $19.32   $18.34   $0.26 
Quarter ended December 31, 2019  $18.99   $18.24   $0.16 

 

The future payment of cash dividends is subject to the discretion of the Board of Directors and depends on a number of factors including future earnings, financial condition, cash requirements, and general business conditions. Cash dividends, when declared, are paid by the Bank to the Company for distribution to shareholders of the Company. Certain regulatory requirements restrict the dividend amount that the Bank can pay to the Company.

 

At our December 1995 Board Meeting, the Board of Directors authorized the repurchase of up to 140,918 shares of its common stock on the open market. At our October 1999 Board Meeting, the Board of Directors authorized the repurchase of up to 45,752 shares of its common stock on the open market and again at our September 2001 Board meeting, the Board of Directors authorized the repurchase of up to 54,903 shares of its common stock on the open market. At the Annual Meeting in 2020, the Board of Directors authorized a stock repurchase plan of up to $1.0 million. The Company repurchased 25,067 shares of its common stock for $398,868 during the year ended December 31, 2020. The Company did not repurchase any common shares during the years ended December 31, 2021 and 2019. As of the date of this report, the Company owns 299,974 shares, adjusted for five 10% stock dividends and a 25% stock dividend. At the Annual Meeting in 2007, the shareholders voted to increase the number of authorized shares from 6,000,000 to 12,000,000.

 

THE BANK OF SOUTH CAROLINA EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST

 

During 1989, the Board of Directors of the Bank adopted an Employee Stock Ownership Plan and Trust Agreement (“ESOP”) to provide retirement benefits to eligible employees of the Bank for long and faithful service. An amendment and restatement was made to the ESOP effective January 1, 2007 and approved by the Board of Directors on January 18, 2007. Periodically, the Internal Revenue Service (“IRS”) requires a restatement of a qualified retirement plan to ensure that the plan document includes provisions required by legislative and regulatory changes made since the last restatement. There have been no substantive changes to the plan; however, to comply with the IRS rules, the Board of Directors approved a restated plan on January 26, 2012 (incorporated as Exhibit 10.5 in the 2011 10-K) and submitted the plan to the IRS for approval. The IRS issued a determination letter on September 26, 2013, stating that the plan satisfied the requirements of Code Section 4975 (e) (7). On January 26, 2017, the Board of Directors approved a restated plan (incorporated as Exhibit 10.6 in the 2016 10-K). The restated Plan was submitted to the IRS for approval and a determination letter was issued November 17, 2017, stating that the plan satisfies the requirements of Code Section 4975 (e) (7).

 

The Board of Directors of the Bank approved a cash contribution of $540,000, $540,000, and $510,000 to the ESOP for the fiscal years ended December 31, 2021, 2020, and 2019, respectively. The contributions were made during the respective fiscal years.

 

10 

 

 

An employee of the Bank who is not a member of an ineligible class of employees is eligible to participate in the plan upon reaching 21 years of age and being credited with one year of service (1,000 hours of service). All employees are eligible employees except for the following ineligible classes of employees:

 

●Employees whose employment is governed by a collective bargaining agreement between employee representatives and the Company in which retirement benefits were the subject of good faith bargaining unless the collective bargaining agreement expressly provides for the inclusion of such employees in the plan

●Employees who are non-resident aliens who do not receive earned income from the Company which constitutes income from sources within the United States

●Any person who becomes an employee as the result of certain asset or stock acquisitions, mergers, or similar transactions (but only during a transitional period)

●Certain leased employees

●Employees who are employed by an affiliated company that does not adopt the Plan

●Any person who is deemed by the Company to be an independent contractor on his or her employment commencement date and on the first day of each subsequent plan year, even if such person is later determined by a court or a governmental agency to be or to have been an employee.

 

The employee may enter the Plan on the January 1st that occurs nearest the date on which the employee first satisfies the age and service requirements described above. No contributions by employees are permitted. The amount and time of contributions are at the sole discretion of the Board of Directors of the Bank. The contribution for all participants is based solely on each participant’s respective regular or base salary and wages paid by the Bank including commissions, bonuses and overtime, if any.

 

A participant becomes vested in the ESOP based upon the employee’s credited years of service. The vesting schedule is as follows:

 

● 1 Year of Service 0% Vested  
● 2 Years of Service 25% Vested  
● 3 Years of Service 50% Vested  
● 4 Years of Service 75% Vested  
● 5 Years of Service 100% Vested  

 

The Bank is the Plan Administrator. Eugene H. Walpole, IV, Fleetwood S. Hassell, Sheryl G. Sharry and Douglas H. Sass, currently serve as the Plan Administrative Committee and Trustees for the Plan. At December 31, 2021, the Plan owned 361,565 shares of common stock of the Company.

 

THE BANK OF SOUTH CAROLINA STOCK INCENTIVE PLANS

 

We have two Stock Incentive Plans: the first was approved in 2010 with 300,000 (363,000 adjusted for two 10% stock dividends) shares reserved and another Stock Incentive Plan, which was approved in 2020, with 300,000 shares reserved. No new options may be granted under the 2010 plan, as it expired on April 14, 2020. Under the 2020 plan, options are periodically granted to employees at a price not less than the fair market value of the shares at the date of grant. Participating employees become 20% vested after five years and then vest 20% each year until fully vested. The right to exercise each such 20% of the options is cumulative and will not expire until the tenth anniversary of the date of the grant. Employees are eligible to participate in this plan if the Executive/Long-Range Planning Committee, in its sole discretion, and the Compensation Committee as to Executive Officers who are members of the Executive/Long-Range Planning Committee, determines that an employee has contributed or can be expected to contribute to our profits or growth.

 

We also have a stock incentive plan to provide equity incentive compensation to the Company's eligible independent directors. The plan was approved by the shareholders in 2021 and has 150,000 shares reserved. Under the 2021 plan, options may be granted to eligible independent directors at a price not less than the fair market value of the shares at the date of grant. Options granted to independent directors become vested as to 20% of the options per year and will be fully vested after five years. The right to exercise each such 20% of the options is cumulative and will not expire until the tenth anniversary of the date of the grant. Each independent director is eligible to participate in the 2021 plan if the Compensation Committee, in its sole discretion, determines that such person has contributed or can be expected to contribute to our profits or growth.

 

The fair value of each option award is estimated on the date of grant using a closed form option valuation (Black-Scholes) model. Expected volatilities are based on historical volatilities of our common stock. The expected term of the options granted will not exceed ten years from the date of grant (the amount of time options granted are expected to be outstanding). The risk-free interest rate for the expected term of the option is based on the U.S. Treasury yield curve in effect at the time of the grant.

 

11 

 

 

Item 6. [Reserved]

 

12 

 

 

Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations

 

Management’s discussion and analysis is included to assist the shareholder in understanding our financial condition, results of operations, and cash flow. This discussion should be reviewed in conjunction with the audited consolidated financial statements and accompanying notes presented in Item 8 of this report and the supplemental financial data appearing throughout this report. Since the primary asset of the Company is its wholly-owned subsidiary, most of the discussion and analysis relates to the Bank.

 

OVERVIEW

 

The Company is a bank holding company headquartered in Charleston, South Carolina, with $679.2 million in assets as of December 31, 2021 and net income of $6.7 million for the year ended December 31, 2021. The Company offers a broad range of financial services through its wholly owned subsidiary, the Bank. The Bank is a state-chartered commercial bank, which operates principally in the Charleston, Dorchester, and Berkeley counties of South Carolina. The Bank’s original and current concept is to be a full service financial institution specializing in personal service, responsiveness, and attention to detail to foster long-standing relationships.

 

We derive most of our income from interest on loans and investment securities. The primary source of funding for making these loans and purchasing investment securities is our interest-bearing and non-interest-bearing deposits. Consequently, one of the key measures of our success is the amount of net interest income, or the difference between the income on our interest-earning assets, such as loans and investments, and the expense on our interest-bearing liabilities, such as deposits. Another key measure is the spread between the yield we earn on these interest-earning assets and the rate we pay on our interest-bearing liabilities.

 

A consequence of lending activities is that we may incur credit losses. The amount of such losses will vary depending upon the risk characteristics of the loan portfolio as affected by economic conditions such as rising interest rates and the financial performance of borrowers. The reserve for credit losses consists of the allowance for loan losses (the “allowance”) and a reserve for unfunded commitments (the “unfunded reserve”). The allowance provides for probable and estimable losses inherent in our loan portfolio while the unfunded reserve provides for potential losses related to unfunded lending commitments. For a detailed discussion on the allowance for loan losses, see “Allowance for Loan Losses”.

 

In addition to earning interest on loans and investment securities, we earn income through fees and other expenses we charge to the customer. The various components of other income and other expenses are described in the following discussion. The discussion and analysis also identifies significant factors that have affected our financial position and operating results as of and for the year ended December 31, 2021 as compared to December 31, 2020 and our operating results for 2020 compared to 2019, and should be read in conjunction with the consolidated financial statements and the related notes included in this report. In addition, a number of tables have been included to assist in the discussion.

 

13 

 

 

The following table sets forth certain summary financial information concerning the Company and its wholly-owned subsidiary for the last five years. The information was derived from the audited consolidated financial statements. The information should be read in conjunction with this section of the report, and the audited consolidated financial statements and notes, which are presented in Item 8 of this report.

 

   2021   2020   2019   2018   2017 
For December 31:                         
Net income  $6,744,865   $6,460,631   $7,318,433   $6,922,934   $4,901,825 
Selected year end balances:                         
Total assets   679,220,646    532,494,599    445,012,520    429,135,198    446,566,498 
Total loans1   309,406,617    333,768,406    279,134,958    275,863,705    272,274,363 
Investment securities available for sale   212,347,489    134,819,818    100,449,956    119,668,874    139,250,250 
Interest-bearing deposits at the Federal Reserve   128,971,429    42,348,085    39,320,526    25,506,784    24,034,194 
Earning assets   650,725,535    510,936,309    418,905,440    421,039,363    435,558,807 
Total deposits   609,191,576    462,197,631    379,191,655    382,378,388    402,888,300 
Total shareholders’ equity   53,917,633    54,980,356    51,168,032    45,462,561    42,764,635 
Weighted Average Shares Outstanding - basic   5,531,518    5,526,948    5,522,025    5,500,027    5,471,001 
Weighted Average Shares Outstanding - diluted   5,680,482    5,678,543    5,588,090    5,589,012    5,568,493 
                          
For the Year:                         
Selected average balances:                         
Total assets  $589,379,985   $502,628,318   $440,615,140   $430,495,412   $428,174,359 
Total loans1   324,078,445    313,303,363    281,508,711    277,223,600    264,881,222 
Investment securities available for sale   167,250,568    112,970,054    106,421,507    123,347,669    130,161,937 
Interest-bearing deposits at the Federal Reserve   75,734,060    54,231,372    34,713,982    20,151,823    23,558,893 
Earning assets   567,063,073    480,504,789    422,644,200    420,723,092    418,602,052 
Total deposits   519,900,412    434,071,108    381,687,960    386,025,147    384,524,305 
Total shareholders’ equity   54,838,166    54,021,647    49,242,545    43,691,359    43,121,778 
                          
Performance Ratios:                         
Return on average equity   12.30%   11.96%   14.86%   15.85%   11.37%
Return on average assets   1.14%   1.29%   1.66%   1.61%   1.14%
Average equity to average assets   9.30%   10.75%   11.18%   10.15%   10.07%
Net interest margin   3.06%   3.52%   4.28%   4.15%   3.76%
Net (recoveries) charge-offs to average loans   -0.02%   0.02%   0.14%   -0.01%   0.01%
Allowance for loan losses as a percentage of total loans2   1.43%   1.30%   1.46%   1.53%   1.43%
                          
Per Share:                         
Basic income per common share3  $1.22   $1.17   $1.33   $1.26   $0.90 
Diluted income per common share3  $1.19   $1.14   $1.31   $1.24   $0.88 
Year end book value3  $9.73   $9.96   $9.25   $8.25   $7.79 
Dividends per common share  $0.78   $0.66   $0.74   $0.58   $0.58 
Dividend payout ratio   63.98%   56.44%   55.88%   54.68%   58.87%
Full time employee equivalents   79    76    79    79    77 

 

(1)Including mortgage loans to be sold.

(2)Excluding mortgage loans to be sold.

(3)Adjusted to retroactively reflect 10% stock dividend issued during the year ended December 31, 2018.

 

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CRITICAL ACCOUNTING POLICIES

 

We have adopted various accounting policies that govern the application of accounting principles generally accepted in the United States (“GAAP”) and with general practices within the banking industry in the preparation of our consolidated financial statements. Our significant accounting policies are set forth in the notes to the consolidated financial statements in Item 8 of this report.

 

Certain accounting policies involve significant judgments and assumptions made by the Company that have a material impact on the carrying value of certain assets and liabilities. We consider these accounting policies to be critical accounting policies. The judgment and assumptions we use are based on factors that we believe to be reasonable under the circumstances. Because of the number of judgments and assumptions that we make, actual results could differ and have a material impact on the carrying values of our assets and liabilities and our results of operations.

 

We consider our policy regarding the allowance for loan losses to be our most subjective accounting policy due to the significant degree of judgment. We have developed what we believe to be appropriate policies and procedures for assessing the adequacy of the allowance for loan losses, recognizing that this process requires a number of assumptions and estimates with respect to our loan portfolio. Our assessments may be impacted in future periods by changes in economic conditions, the impact of regulatory examinations and the discovery of information with respect to borrowers, which were not known at the time of the issuance of the consolidated financial statements. For additional discussion concerning our allowance for loan losses and related matters, see “Allowance for Loan Losses”.

 

COVID-19

 

On March 11, 2020, the World Health Organization (“WHO”) declared COVID-19 a pandemic. Due to orders issued by the governor of South Carolina and in an abundance of caution for the health of our customers and employees, in March 2020 the Bank closed lobbies to all 5 offices but remained fully operational. The Bank subsequently reopened all of the lobbies in June 2021.

 

On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) was signed into law, which established the Paycheck Protection Program (“PPP”) and allocated $349.0 billion of loans to be issued by financial institutions. Under the program, the Small Business Administration (“SBA”) will forgive loans, in whole or in part, made by approved lenders to eligible borrowers for payroll and other permitted purposes in accordance with the requirements of the program. These loans carry a fixed rate of 1.00% and a term of two years, if not forgiven, in whole or in part. The loans are 100% guaranteed by the SBA and as long as the borrower submits its loan forgiveness application within ten months of completion of the covered period. The borrower is not required to make any payments until the forgiveness amount is remitted to the lender by the SBA. The Bank received a processing fee from the SBA ranging from 1% to 5% based on the size of the loan. The fees are deferred and amortized over the life of the loans in accordance with ASC 310-20. The Paycheck Protection Program and Health Care Enhancement Act (“PPP/ HCEA Act”) was signed into law on April 24, 2020. The PPP/HCEA Act authorized additional funding under the CARES Act of $310.0 billion for PPP loans to be issued by financial institutions through the SBA. The Bank has provided $55.3 million in funding to 480 customers through the PPP as of December 31, 2021. Because these loans are 100% guaranteed by the SBA and did not undergo the Bank’s typical underwriting process, they are not graded and do not have an associated allowance.

 

Borrowers must submit a forgiveness application within ten months of the completion of the covered period. Once the borrower has submitted the application, the Bank has 60 days to review, issue a lender decision, and submit the decision and application to the SBA. Once the application is submitted, the SBA has 90 days to review and remit the appropriate forgiveness amount to the Bank plus any interest accrued through the date of payment. The SBA began accepting PPP Forgiveness Applications on August 10, 2020. As of December 31, 2021, the Bank received 371 PPP forgiveness applications, in the amount of $49.1 million in principal, and submitted 361 applications and decisions to the SBA, in the amount of $47.7 million in principal. Of the 391 PPP submissions, 351 loans, in the amount of $46.9 million, were forgiven as of December 31, 2021. Upon forgiveness the Bank will recognize the deferred fee income in accordance with ASC 310-20. The Bank received processing fees of $2.4 million and recognized $1.3 million and $0.6 million during the years ended December 31, 2021 and 2020, respectively.

 

Regulatory agencies, as set forth in the Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus (initially issued on March 22, 2020 and revised on April 7, 2020), have encouraged financial institutions to work prudently with borrowers who are or may be unable to meet their contractual payment obligations because of the effects of COVID-19. In this statement, the regulatory agencies expressed their view of loan modification programs as positive actions that may mitigate adverse effects on borrowers due to COVID-19 and that the agencies will not criticize institutions for working with borrowers in a safe and sound manner. Moreover, the revised statement provides that eligible loan modifications related to COVID-19 may be accounted for under section 4013 of the CARES Act or in accordance with ASC 310-40. Under Section 4013 of the CARES Act, banks may elect not to categorize loan modifications as TDRs if the modifications are related to COVID-19, executed on a loan that was not more than 30 days past due as of December 31, 2019, and executed between March 1, 2020 and the earlier of December 31, 2020 or 60 days after the date of termination of the National Emergency. All short-term loan modifications made on a good faith basis in response to COVID-19 to borrowers who were current prior to any relief are not considered TDRs. Beginning in March 2020, the Bank provided payment accommodations to customers, consisting of 60-day principal deferral to borrowers negatively impacted by COVID-19. During 2020, the Bank processed approximately $0.7 million in principal deferments to 84 customers, with an aggregate loan balance of $29.7 million. The principal deferments represented 0.24% of our total loan portfolio as of December 31, 2020. The Bank did not process any principal deferments during the year ended December 31, 2021. The Bank has examined the payment accommodations granted to borrowers in response to COVID-19 and classified 9 loans, with an aggregate loan balance of $4.0 million, that were granted payment accommodations as TDRs given the continued financial difficulty of the customer, associated industry risk, and multiple deferral requests. All other borrowers were current prior to relief, were not experiencing financial difficulty prior to COVID-19, and the Bank determined they were not considered TDRs. As of December 31, 2021, 4 of the TDRs were removed from TDR status due to improvement in financial condition and sustained performance under the restructured terms, 2 TDRs were paid off through refinancing into new loans at market terms, and 1 TDR was paid off. Two loans with a balance of $0.5 million remain in TDR status as of December 31, 2021. Additionally, of the 75 customers that received payment accommodations that were not classified as TDRs, 41 customers, with an aggregate loan balance of $9.9 million, have paid their loan in full as of December 31, 2021. The remaining loans are paying as agreed as of December 31, 2021. There are no loans that received payment accommodation past due greater than 30 days. The Bank will continue to examine payment accommodations as requested by our borrowers.

 

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On December 27, 2020, the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (“Economic Aid Act”) was enacted, which reauthorized lending under the PPP program through March 31, 2021, with an additional $325 billion. Under this Act, the SBA will forgive loans, in whole or in part, made by approved lenders to eligible borrowers for payroll and other permitted purposes in accordance with the requirements of the program. These loans carry a fixed rate of 1.00% and a term of five years, if not forgiven, in whole or in part. The loans are 100% guaranteed by the SBA and as long as the borrower submits its loan forgiveness application within ten months of completion of the covered period, the borrower is not required to make any payments until the forgiveness amount is remitted to the lender by the SBA. The Bank will receive a processing fee based on the size of the loan from the SBA and a tiered structure. For loans up to $50,000 in principal, the lender processing fee will be the lesser of 50% of the principal amount or $2,500. For loans between $50,000 and $350,000 in principal, the lender processing fee will be 5% of the principal amount. For loans $350,000 and above, the lender processing fee will be 3% of the principal amount. The fees are deferred and amortized over the life of the loans in accordance with ASC 310-20. Over the course of the PPP program, the Bank extended 480 loans with a total loan amount of $55.3 million.

 

While the effects of COVID-19 have impacted all industries to varying degrees, during 2020 the Bank assessed the retail and/or service, food and beverage, and short-term rental industries in our geographic area as having a higher risk due to the possibility of the primary source of repayment not materializing. These industries are dependent upon the hospitality industry and were affected by the mandates issued by the Governor of South Carolina to limit occupancy or close for a period of time. Our loans in these industries represented 3.96% of our loan portfolio at December 31, 2020 and were temporarily downgraded to our “Watch” category during 2020. In May 2021, due to improving economic conditions, increased vaccination rates and a continued reopening of the South Carolina economy, these loans were upgraded to our “Satisfactory” category.

 

Effects of COVID-19 may negatively impact management assumptions and estimates, such as the allowance for loan losses. However, it is difficult to assess or predict how, and to what extent, COVID-19 will affect the Bank in the future.

 

COMPARISON OF THE YEAR ENDED DECEMBER 31, 2021 TO DECEMBER 31, 2020

 

Net income increased $0.2 million or 4.40% to $6.7 million, or basic and diluted income per share of $1.22 and $1.19, respectively, for the year ended December 31, 2021 from $6.5 million or basic and diluted income per share of $1.17 and $1.14, respectively, for the year ended December 31, 2020. This increase was primarily due to higher average earning asset balances coupled with a decline in our cost of funds. Our returns on average assets and average equity for the year ended December 31, 2021 were 1.14% and 12.30%, respectively, compared to 1.29% and 11.96%, respectively, for the year ended December 31, 2020.

 

Net interest income increased $0.5 million or 2.61% to $17.4 million for the year ended December 31, 2021 from $16.9 million for the year ended December 31, 2020. This increase was primarily due to an increase in interest and fees on PPP loans and investment securities. Interest and fees on loans and investment securities increased $0.4 million or 2.35% to $17.1 million for the year ended December 31, 2021 from $16.7 million for the year ended December 31, 2020, as the result of higher balances of average earning assets.

 

Average earning assets increased $86.6 million or 18.01% to $567.1 million for the year ended December 31, 2021 from $480.5 million for the year ended December 31, 2020. This is primarily related to an increase in the average balance of investment securities and interest-bearing deposits at the Federal Reserve and, to a lesser extent, loans. The increase in investment securities and interest-bearing balances at the Federal Reserve reflect the deployment of excess funds resulting from an $85.8 million increase in average deposits during the year.

 

The provision to the allowance for loan losses for the year ended December 31, 2021 was $120,000 compared to $240,000 for the year ended December 31, 2020. The decrease was primarily driven by the composition of our loan portfolio in accordance with our allowance for loan loss methodology. The Board of Directors determined that this provision was appropriate based upon the adequacy of our reserve. Charge-offs of $20,990 and recoveries of $92,283, together with the provision to the allowance, resulted in an allowance for loan losses of $4.4 million or 1.43% of total loans as of December 31, 2021. The allowance for loan losses is 1.47% of total loans net of PPP loans.

 

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Other income increased $0.5 million or 13.61% to $3.9 million for the year ended December 31, 2021, from $3.4 million for the year ended December 31, 2020. Other income reflects increases in gain on sales of securities of $0.3 million and service charges and fees of $0.2 million. Our mortgage banking income increased $46,700 or 2.06% to $2.3 million for the year ended December 31, 2021 from $2.3 million for the year ended December 31, 2020 due to elevated volume associated with a continuation of the low interest rate environment. Mortgage banking income is highly influenced by mortgage interest rates and the housing market.

 

Other expense increased $0.6 million or 5.45% to $12.3 million for the year ended December 31, 2021, from $11.7 million for the year ended December 31, 2020. Salaries and employee benefits increased approximately $0.2 million, or 3.03%, due to increased benefits, payroll taxes and other employee-related costs. Net occupancy expense increased approximately $0.2 million due to rent escalation provisions in certain of our leases. Other operating expense increased $0.2 million, or 14.45%, due to certain loan-related costs and higher FDIC insurance assessments resulting from an increase in deposit balances.

 

For the year ended December 31, 2021, the Company’s effective tax rate was 23.50% compared to 23.33% during the year ended December 31, 2020.

 

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COMPARISON OF THE YEAR ENDED DECEMBER 31, 2020 TO DECEMBER 31, 2019

 

Net income decreased $0.8 million or 11.72% to $6.5 million, or basic and diluted income per share of $1.17 and $1.14, respectively, for the year ended December 31, 2020 from $7.3 million or basic and diluted income per share of $1.33 and $1.31, respectively, for the year ended December 31, 2019. This decrease was primarily due to interest and fee income received on loans tied to changes in variable interest rates as a result of the significant decrease in interest rates at the Federal Reserve during the end of the first quarter of 2020, combined with below market interest rates on PPP loans. Our returns on average assets and average equity for the year ended December 31, 2020 were 1.29% and 11.96%, respectively, compared to 1.66% and 14.86%, respectively, for the year ended December 31, 2019.

 

Net interest income decreased $1.2 million or 6.43% to $16.9 million for the year ended December 31, 2020 from $18.1 million for the year ended December 31, 2019. This decrease was primarily due to a decrease in interest and fees on loans. Interest and fees on loans decreased $0.9 million or 5.87% to $15.1 million for the year ended December 31, 2020 from $16.0 million for the year ended December 31, 2019, as the result of changes in variable interest rates as effected by the significant decrease in interest rates at the Federal Reserve during the end of the first quarter of 2020 combined with below market interest rates on PPP loans.

 

Average earning assets increased $57.9 million or 13.69% to $480.5 million for the year ended December 31, 2020 from $422.6 million for the year ended December 31, 2019. This is primarily related to the increase in the average balance of loans related to the PPP program and interest-bearing deposits at the Federal Reserve.

 

The provision to the allowance for loan losses for the year ended December 31, 2020 was $240,000 compared to $180,000 for the year ended December 31, 2019. The increase was primarily driven by the composition of our loan portfolio in accordance with our allowance for loan loss methodology. The Board of Directors determined that this provision was appropriate based upon the adequacy of our reserve. Charge-offs of $0.3 million and recoveries of $0.2 million, together with the provision to the allowance, resulted in an allowance for loan losses of $4.2 million or 1.30% of total loans as of December 31, 2020. The allowance for loan losses is 1.45% of total loans, net of PPP loans.

 

Other income increased $1.2 million or 54.87% to $3.4 million for the year ended December 31, 2020, from $2.2 million for the year ended December 31, 2019. Our mortgage banking income increased $1.3 million or 141.04% to $2.3 million for the year ended December 31, 2020 from $0.9 million for the year ended December 31, 2019 due to increased volume associated with lower interest rates. Mortgage banking income is highly influenced by mortgage interest rates and the housing market.

 

Other expense increased $1.1 million or 9.89% to $11.7 million for the year ended December 31, 2020, from $10.6 million for the year ended December 31, 2019. Salaries and employee benefits increased approximately $0.6 million due to increased salaries and commissions on robust mortgage activity. Net occupancy expense increased approximately $0.6 million due to a full year of occupancy in our North Charleston office, which opened in September 2019.

 

For the year ended December 31, 2020, the Company’s effective tax rate was 23.33% compared to 22.91% during the year ended December 31, 2019.

 

ASSET AND LIABILITY MANAGEMENT

 

We manage our assets and liabilities to ensure there is sufficient liquidity to enable management to fund deposit withdrawals, loan demand, capital expenditures, reserve requirements, operating expenses, and dividends; and to manage daily operations on an ongoing basis. Funds are primarily provided by the Bank through customer deposits, principal and interest payments on loans, mortgage loan sales, the sale or maturity of securities, temporary investments and earnings. The Asset Liability/Investment Committee (“ALCO”) manages asset and liability procedures though the ultimate responsibility rests with the President/Chief Executive Officer. At December 31, 2021, total assets increased 27.55% to $679.2 million from $532.5 million as of December 31, 2020 and total deposits increased 31.8% to $609.2 million from $462.2 million as of December 31, 2020.

 

As of December 31, 2021, earning assets, which are composed of U.S. Treasury, Government Sponsored Enterprises and Municipal Securities in the amount of $212.3 million, interest-bearing deposits at the Federal Reserve in the amount of $129.0 million and total loans, including mortgage loans held for sale, in the amount of $309.4 million, constituted approximately 95.80% of our total assets.

 

The yield on a majority of our earning assets adjusts in tandem with changes in the general level of interest rates. Some of the Company’s liabilities are issued with fixed terms and can be repriced only at maturity.

 

MARKET RISK

 

Market risk is the risk of loss from adverse changes in market prices and interest rates. Our risk consists primarily of interest rate risk in our lending and investing activities as they relate to the funding by deposit and borrowing activities.

 

Our policy is to minimize interest rate risk between interest-earning assets and interest-bearing liabilities at various maturities and to attempt to maintain an asset sensitive position over a one-year period. By adhering to this policy, we anticipate that our net interest margins will not be materially affected, unless there is an extraordinary and or precipitous change in interest rates. The average net interest rate margin for 2021 decreased to 3.06% from 3.52% for 2020. At December 31, 2021 and 2020, our net cumulative gap was liability sensitive for periods less than one year and asset sensitive for periods of one year or more. The reason for the shift in sensitivity is the direct result of management’s strategic decision to invest excess funds held at the Federal Reserve into fixed rate investment securities that match our investment policy objectives. Management is aware of this departure from policy and will continue to closely monitor our sensitivity position going forward.

 

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Since the rates on most of our interest-bearing liabilities can vary on a daily basis, we continue to maintain a loan portfolio priced predominately on a variable rate basis. However, in an effort to protect future earnings in a declining rate environment, we offer certain fixed rates, interest rate floors, and terms primarily associated with real estate transactions. We seek stable, long-term deposit relationships to fund our loan portfolio. Furthermore, we do not have any brokered deposits or internet deposits.

 

At December 31, 2021, the average maturity of the investment portfolio was 4.76 years with an average yield of 1.02% compared to 4.57 years with an average yield of 1.60% at December 31, 2020.

 

We do not take foreign exchange or commodity risks. In addition, we do not own mortgage-backed securities nor do we have any exposure to the sub-prime market or any other distressed debt instruments.

 

The following table summarizes our interest sensitivity position as of December 31, 2021.

 

   One Day   Less than
three
months		   Three months to less than six months   Six months to less than one year   One year to less than five years   Five years or more   Total   Estimated
Fair Value		 
(in thousands)                                        
Interest-earning assets                                        
Loans1  $76,173   $24,908   $24,070   $27,492   $139,572   $17,678   $309,893   $293,732 
Investment securities available for sale2   —    2,355    5,001    5,400    143,879    58,412    215,047    212,347 
Interest-bearing deposits at the Federal Reserve   128,971    —    —    —    —    —    128,971    128,971 
Total  $205,144   $27,263   $29,071   $32,892   $283,451   $76,090   $653,911   $635,050 
                                         
Interest-bearing liabilities                                        
CD’s and other time deposits less than $250,000  $—   $4,766   $3,328   $3,801   $1,972   $3   $13,870   $14,156 
CD’s and other time deposits $250,000 and over   —    2,048    3,806    1,564    —    —    7,418    7,272 
Money Market and Interest Bearing Demand Accounts   264,682    —    —    —    —    —    264,682    519,233 
Savings   68,671    —    —    —    —    —    68,671    68,671 
Total  $333,353   $6,814   $7,134   $5,365   $1,972   $3   $354,641   $609,332 
                                         
Net  $(128,209)  $20,449   $21,937   $27,527   $281,479   $76,087   $299,270      
Cumulative       $(107,760)  $(85,823)  $(58,296)  $223,183   $299,270           

 

(1)Including mortgage loans to be sold and deferred fees.

(2)At amortized cost based on the earlier of the call date or scheduled maturity.

 

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LIQUIDITY

 

Historically, we have maintained our liquidity at levels believed by management to be adequate to meet requirements of normal operations, potential deposit outflows and strong loan demand and still allow for optimal investment of funds and return on assets.

 

The following table summarizes future contractual obligations as of December 31, 2021. 

 

   Total   Less than one year   One to five years   After five years 
Contractual Obligations                    
(in thousands)                    
Time deposits  $21,289   $19,313   $1,972   $4 
Operating leases   18,104    1,175    4,700    12,229 
Total contractual cash obligations  $39,393   $20,488   $6,672   $12,233 

 

Proper liquidity management is crucial to ensure that we are able to take advantage of new business opportunities as well as meet the credit needs of our existing customers. Investment securities are an important tool in our liquidity management. Our primary liquid assets are cash and due from banks, investment securities available for sale, interest-bearing deposits at the Federal Reserve, and mortgage loans held for sale. Our primary liquid assets accounted for 52.30% and 36.83% of total assets at December 31, 2021 and 2020, respectively. Investment securities classified as available for sale, which are not pledged, may be sold in response to changes in interest rates and liquidity needs. All of the investment securities presently owned are classified as available for sale. Net cash provided by operations and deposits from customers have been the primary sources of liquidity. At December 31, 2021, we had unused short-term lines of credit totaling approximately $41 million (which can be withdrawn at the lender’s option). Additional sources of funds available to us for liquidity include increasing deposits by raising interest rates paid and selling mortgage loans held for sale. We also established a Borrower-In-Custody arrangement with the Federal Reserve. This arrangement permits us to retain possession of assets pledged as collateral to secure advances from the Federal Reserve Discount Window. At December 31, 2021, we could borrow up to $72.1 million. There have been no borrowings under this arrangement.

 

Our core deposits consist of non-interest bearing demand accounts, NOW accounts, money market accounts, time deposits and savings accounts. We closely monitor our reliance on certificates of deposit greater than $250,000 and other large deposits. We maintain a Contingency Funding Plan (“CFP”) that identifies liquidity needs and weighs alternate courses of action designed to address these needs in emergency situations. We perform a quarterly cash flow analysis and stress test the CFP to evaluate the expected funding needs and funding capacity during a liquidity stress event. We believe our liquidity sources are adequate to meet our operating needs and do not know of any trends, events or uncertainties that may result in a significant adverse effect on our liquidity position. At December 31, 2021 and 2020, our liquidity ratio was 56.43% and 38.63%, respectively.

 

Average earning assets increased by $86.6 million from 2020 to 2021. This increase is primarily related to an increase in the average balance of investment securities and interest-bearing deposits at the Federal Reserve and, to a lesser extent, loans. The increase in investment securities and interest-bearing balances at the Federal Reserve reflect the deployment of excess funds resulting from an $85.8 million increase in average deposits during the year.

 

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The following table shows the composition of average assets over the past five fiscal years.

 

   2021   2020   2019   2018   2017 
Loans1  $324,078,445   $313,303,363   $277,395,432   $277,223,600   $260,987,352 
Investment securities available for sale   167,250,568    112,970,054    106,421,507    123,347,669    130,161,937 
Interest-bearing deposits at the Federal Reserve   75,734,060    54,231,372    34,713,982    20,151,823    23,558,893 
Non-earning assets   22,316,912    22,123,529    22,084,219    9,772,320    13,466,177 
Total average assets  $589,379,985   $502,628,318   $440,615,140   $430,495,412   $428,174,359 

(1)       Including mortgage loans to be sold and deferred fees.

 

We continued to experience growth in our interest-bearing deposits at the Federal Reserve subsequent to December 31, 2021. As a result of this increase in liquidity, and to increase the yield on these balances, in January 2022 we purchased $45.0 million of U.S. Treasury Notes having maturities ranging from approximately two to four years.

 

ANALYSIS OF CHANGES IN NET INTEREST INCOME

 

The following table shows changes in interest income and expense based upon changes in volume and changes in rates. 

 

   2021 vs. 2020   2020 vs. 2019   2019 vs. 2018 
   Volume   Rate   Net Dollar Change1   Volume   Rate   Net Dollar Change1   Volume   Rate   Net Dollar Change1 
Loans2  $519,830   $(290,799)  $229,031   $1,798,561   $(2,736,870)  $(938,309)  $237,995   $629,980   $867,975 
Investment securities available for sale   963,531    (800,492)   163,039    136,175    (324,518)   (188,343)   (364,113)   (64,792)   (428,905)
Interest-bearing deposits at the Federal Reserve   72,342    (153,057)   (80,715)   409,494    (955,338)   (545,844)   284,163    52,108    336,271 
Interest income  $1,555,703   $(1,244,348)  $311,355   $2,344,230   $(4,016,726)  $(1,672,496)  $158,045   $617,296   $775,341 
                                              
Interest bearing transaction accounts  $25,230   $(103,212)  $(77,982)  $56,917   $(443,183)  $(386,266)  $28,048   $137,012   $165,060 
Savings   10,278    (21,710)   (11,432)   23,542    (81,423)   (57,881)   (4,507)   20,217    15,710 
Time deposits   (2,531)   (39,469)   (42,000)   (34,106)   (31,504)   (65,610)   (80,972)   20,987    (59,985)
Interest expense  $32,977   $(164,391)  $(131,414)  $46,353   $(556,110)  $(509,757)  $(57,431)  $178,216   $120,785 
                                              
Increase (decrease) in net interest income            $442,769             $(1,162,739)            $654,556 

 

(1)Volume/rate changes have been allocated to each category based on the percentage of each change to the total change.

(2)Including mortgage loans to be sold.  

 

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YIELDS ON AVERAGE EARNING ASSETS AND RATES ON AVERAGE INTEREST-BEARING LIABILITIES

 

The following table shows the yields on average earning assets and average interest-bearing liabilities. 

 

   2021   2020   2019 
   Average
Balance		   Interest Paid/Earned   Average Yield/Rate1   Average
Balance		   Interest Paid/Earned   Average Yield/Rate1   Average
Balance		   Interest Paid/Earned   Average Yield/Rate1 
Interest-earning assets                                             
Loans2  $324,078,445   $15,285,012    4.72%  $313,303,363   $15,055,981    4.81%  $281,508,711   $15,994,290    5.68%
Investment Securities Available for Sale   167,250,568    2,162,790    1.29%   112,970,054    1,999,751    1.77%   106,421,507    2,188,094    2.06%
Federal Funds Sold & Interest bearing deposits   75,734,060    103,309    0.14%   54,231,372    184,024    0.34%   34,713,982    729,868    2.10%
Total earning assets  $567,063,073   $17,551,111    3.10%  $480,504,789   $17,239,756    3.59%  $422,644,200   $18,912,252    4.47%
                                              
Interest-bearing liabilities                                             
Interest-bearing transaction accounts  $242,617,530   $88,364    0.04%  $208,940,724   $166,346    0.08%  $189,114,988   $552,612    0.29%
Savings   51,608,804    28,394    0.06%   40,770,588    39,826    0.10%   32,934,733    97,707    0.30%
Time Deposits   20,435,199    57,242    0.28%   20,964,940    99,242    0.47%   26,456,064    164,852    0.62%
   $314,661,533   $174,000    0.06%  $270,676,252   $305,414    0.11%  $248,505,785   $815,171    0.33%
                                              
Net interest spread             3.04%             3.48%             4.14%
Net interest margin             3.06%             3.52%             4.28%
Net interest income       $17,377,111             $16,934,342             $18,097,081      

 

(1)The effect of forgone interest income as a result of non-accrual loans was not considered in the above analysis.

(2)Average loan balances include non-accrual loans and mortgage loans to be sold.

 

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INVESTMENT PORTFOLIO

 

The following tables summarize the carrying value of investment securities as of the indicated dates and the weighted-average yields of those securities at December 31, 2021. Weighted-average yields are determined based on the amortized cost and book yield of the individual investment securities comprising each investment security type and maturity classification.

 

   Amortized Cost       
    Within
One Year 		    After One Year through
Five Years 		    After Five Years through
Ten Years 		    After Ten Years     Total     Estimated
Fair Value 		 
(in thousands)                              
U.S. Treasury Notes  $4,999   $86,465   $9,806   $—   $101,270   $100,062 
Government-Sponsored Enterprises   5,001    15,055    56,300    —    76,356    74,721 
Municipal Securities   2,756    15,082    10,427    9,157    37,422    37,564 
Total  $12,756   $116,602   $76,533   $9,157   $215,048   $212,347 
                               
Weighted average yields                              
U.S. Treasury Notes   2.04%   0.58%   0.91%   0.00%          
Government-Sponsored Enterprises   2.05%   1.49%   1.11%   0.00%          
Municipal Securities   1.08%   1.23%   1.55%   1.74%          
Total   1.83%   0.78%   1.15%   1.74%   1.02%     

 

The following tables present the amortized cost and estimated fair value of investment securities for the past three years.

 

December 31, 2021  Amortized
Cost		   Estimated
Fair Value		 
(in thousands)          
U.S. Treasury Notes  $101,270   $100,062 
Government-Sponsored Enterprises   76,356    74,721 
Municipal Securities   37,422    37,564 
           
Total  $215,047   $212,347 

 

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December 31, 2020   Amortized
Cost		     Estimated
Fair Value		  
(in thousands)                
U.S. Treasury Notes   $ 20,037     $ 20,411  
Government-Sponsored Enterprises     96,614       97,853  
Municipal Securities     16,055       16,556  
Total   $ 132,706     $ 134,820  

 

December 31, 2019   Amortized
Cost		     Estimated
Fair Value		  
(in thousands)                
U.S. Treasury Notes   $ 23,080     $ 23,180  
Government-Sponsored Enterprises     50,140       50,498  
Municipal Securities     26,618       26,772  
Total   $ 99,838     $ 100,450  

 

As of December 31, 2021, we had fifteen U.S. Treasury Notes and nineteen Municipal Securities with an unrealized loss of $1.3 million and $0.2 million, respectively. As of December 31, 2020, we had no U.S. Treasury Notes or Municipal Securities with an unrealized loss. As of December 31, 2021, we had nine securities issued by Government-Sponsored Enterprises with an unrealized loss of $1.9 million compared to four Government-Sponsored Enterprises with an unrealized loss of $0.2 million as of December 31, 2020. The unrealized losses on these securities are related to changes in the interest rate environment from the date of purchase. The contractual terms of these investments do not permit the issuer to settle the securities at a price less than the amortized cost of the investment. Therefore, these investments are not considered other-than-temporarily impaired. We have the ability to hold these investments until market price recovery or maturity.

 

The primary purpose of the investment portfolio is to fund loan demand, manage fluctuations in deposits and liquidity, satisfy pledging requirements and generate a favorable return on investment.  In doing these things, our main objective is to adhere to sound investment practices.  To that end, all purchases and sales of investment securities are made through reputable securities dealers that have been approved by the Board of Directors. The Board of Directors of the Bank reviews the entire investment portfolio at each regular monthly meeting, including any purchases, sales, calls, and maturities during the previous month.  Furthermore, the Credit Department conducts a financial underwriting assessment of all municipal securities and their corresponding municipalities annually and management reviews the assessments.

 

LOAN PORTFOLIO COMPOSITION

 

We focus our lending activities on small and middle market businesses, professionals and individuals in our geographic market. At December 31, 2021, outstanding loans (including deferred loan fees of $488,481) totaled $306.6 million, which equaled 50.33% of total deposits and 45.14% of total assets.

 

The following table presents our loan portfolio, excluding both mortgage loans to be sold and deferred loan fees, as of December 31, 2021, compared to the prior four years.

 

(in thousands)  2021   2020   2019   2018   2017 
Commercial  $45,804   $51,041   $52,848   $54,829   $51,723 
Commercial real estate construction   12,054    14,814    12,491    7,304    2,318 
Commercial real estate other   165,719    146,188    143,824    143,703    140,187 
Consumer real estate   71,307    71,836    59,532    63,787    70,798 
Consumer other   3,769    4,481    5,378    5,040    5,155 
Paycheck protection program   7,979    32,443    —    —    — 
Total  $306,632   $320,803   $274,073   $274,663   $270,181 

 

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During the year ended December 31, 2021, total loans decreased $14.2 million. This is primarily due to the forgiveness of Paycheck Protection Program loans, which offset growth in our other commercial real estate portfolio.

 

We had no foreign loans or loans to fund leveraged buyouts at any time during the years ended December 31, 2017 through December 31, 2021.

 

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The following table presents the contractual terms to maturity for loans outstanding at December 31, 2021. Overdrafts are reported as due in one year or less. The table does not include an estimate of prepayments, which can significantly affect the average life of loans and may cause our actual principal experience to differ from that shown.

 

   Selected Loan Maturity as of December 31, 2021 
(in thousands)  One Year or Less   Over One Year
but Less Than
5 years		   After 5 Years Through
15 Years		   Over 15 Years   Total 
Commercial  $23,562   $20,259   $1,983   $—   $45,804 
Commercial real estate construction   2,679    9,375    —    —    12,054 
Commercial real estate other   34,497    123,313    5,372    2,537    165,719 
Consumer real estate   17,870    7,390    26,706    19,341    71,307 
Consumer other   798    2,925    46    —    3,769 
Paycheck protection program   7,979    —    —    —    7,979 
Total  $87,385   $163,262   $34,107   $21,878   $306,632 
                          
Loans maturing after one year with:                         
Fixed interest rates                      $157,190 
Floating interest rates                       — 
Total                      $157,190 

 

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IMPAIRED LOANS

 

A loan is impaired when it is probable that we will be unable to collect all amounts due according to the contractual terms of the loan agreement based on current information and events. All loans with a principal balance over $50,000 placed on non-accrual status are classified as impaired. However, not all impaired loans are on non-accrual status nor do they all represent a loss.

 

Impairment loss is measured by:

 

a.The present value of the future cash flow discounted at the loan’s effective interest rate, or

 

b.The fair value of the collateral if the loan is collateral dependent.

 

The following is a schedule of our impaired loans and non-accrual loans as of December 31, 2017 through 2021.

 

   2021   2020   2019   2018   2017 
Nonaccrual loans  $814,614   $1,155,930   $1,666,301   $823,534   $831,859 
Impaired loans  $3,406,508   $7,805,600   $4,776,928   $4,278,347   $3,724,262 

 

Beginning in March 2020, the Bank provided payment accommodations to customers, consisting of 60-day principal deferral to borrowers negatively impacted by COVID-19. During 2020, the Bank processed approximately $0.7 million in principal deferments to 84 customers, with an aggregate loan balance of $29.7 million. The Bank did not process any principal deferments during the year ended December 31, 2021. The principal deferments represented 0.24% of our total loan portfolio as of December 31, 2020.

 

TROUBLED DEBT RESTRUCTURINGS

 

According to GAAP, we are required to account for certain loan modifications or restructurings as a troubled debt restructuring (“TDR”), when appropriate. In general, the modification or restructuring of a debt is considered a TDR if we, for economic or legal reasons related to a borrower’s financial difficulties, grant a concession to the borrower that we would not otherwise consider. Three factors must always be present: 

 

1. An existing credit must formally be renewed, extended, or modified,  

2. The borrower is experiencing financial difficulties, and  

3. We grant a concession that we would not otherwise consider.

 

The following is a schedule of our TDR’s including the number of loans represented.

 

   2021   2020   2019   2018   2017 
Number of TDRs   5    14    3    —    1 
Amount of TDRs  $1,039,909   $5,803,163   $573,473   $—   $33,300 

 

The Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 310-20-35-9 allows a loan to be removed from TDR status if the terms of the loan reflect current market rates and the loan has been performing under modified terms for an extended period of time or under certain other circumstances.

 

Nine TDRs with a balance of $4.7 million at December 31, 2020 were removed from TDR status during the year ended December 31, 2021. Five TDRs with a balance of $3.8 million were removed from TDR status due to improvement in financial condition and sustained performance under the restructured terms, two TDRs with a balance of $0.5 million were paid off, and two TDRs with a balance of $0.4 million were paid off through refinancing into new loans at market terms. One TDR with a balance of $33,300 at December 31, 2017 was removed from TDR status during the year ended December 31, 2018 since, at the most recent renewal, the loan was amortized at market rate and no concessions were granted. We do not know of any potential problem loans which will not meet their contractual obligations that are not otherwise discussed herein.

 

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Regulatory agencies, as set forth in the Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus (initially issued on March 22, 2020 and revised on April 7, 2020), have encouraged financial institutions to work prudently with borrowers who are or may be unable to meet their contractual payment obligations because of the effects of COVID-19. In this statement, the regulatory agencies expressed their view of loan modification programs as positive actions that may mitigate adverse effects on borrowers due to COVID-19 and that the agencies will not criticize institutions for working with borrowers in a safe and sound manner. Moreover, the revised statement provides that eligible loan modifications related to COVID-19 may be accounted for under section 4013 of the CARES Act or in accordance with ASC 310-40. Under Section 4013 of the CARES Act, banks may elect not to categorize loan modifications as TDRs if the modifications are related to COVID-19, executed on a loan that was not more than 30 days past due as of December 31, 2019, and executed between March 1, 2020 and the earlier of December 31, 2020 or 60 days after the date of termination of the National Emergency. All short-term loan modifications made on a good faith basis in response to COVID-19 to borrowers who were current prior to any relief are not considered TDRs. Beginning in March 2020, the Bank provided payment accommodations to customers, consisting of 60-day principal deferral to borrowers negatively impacted by COVID-19. The Bank has examined the payment accommodations granted to borrowers in response to COVID-19 and classified 9 loans, with an aggregate loan balance of $4.0 million, that were granted payment accommodations as TDRs given the continued financial difficulty of the customer, associated industry risk, and multiple deferral requests. As of December 31, 2021, 4 of the TDRs were removed from TDR status due to improvement in financial condition and sustained performance under the restructured terms, 2 TDRs were paid off through refinancing into new loans at market terms, and 1 TDR was paid off. Two loans with a balance of $0.5 million remain in TDR status as of December 31, 2021. The Bank will continue to examine payment accommodations as requested by the borrowers.

 

ALLOWANCE FOR LOAN LOSSES

 

The allowance for loan losses represents our estimate of probable losses inherent in our loan portfolio. The adequacy of the allowance for loan losses (the “allowance”) is reviewed by the Loan Committee and by the Board of Directors on a quarterly basis. For purposes of this analysis, adequacy is defined as a level sufficient to absorb estimated losses in the loan portfolio as of the balance sheet date presented. To remain consistent with GAAP, the methodology employed for this analysis has been modified over the years to reflect the economic environment and new accounting pronouncements. The Credit Department reviews this calculation on a quarterly basis. In addition, an independent third party validates the allowance calculation on a periodic basis. The methodology is based on a reserve model that is comprised of the three components listed below:

 

  1) Specific reserve analysis for impaired loans based on FASB ASC 310-10-35, Receivables - Overall
  2) General reserve analysis applying historical loss rates based on FASB ASC 450-20, Contingencies: Loss Contingencies
  3) Qualitative or environmental factors.

 

Loans greater than $50,000 are reviewed for impairment on a quarterly basis if any of the following criteria are met: 

 

  1) The loan is on non-accrual
  2) The loan is a troubled debt restructuring
  3) The loan is over 60 days past due
  4) The loan is rated sub-standard, doubtful, or loss
  5) Excessive principal extensions are executed
  6) If we are provided information that indicates we will not collect all principal and interest as scheduled

 

Impairment is measured by the present value of the future cash flow discounted at the loan’s effective interest rate or the fair value of the collateral if the loan is collateral dependent. An impaired loan may not represent an expected loss.

 

A general reserve analysis is performed on all loans, excluding impaired loans. This analysis includes a pool of loans that are reviewed for impairment but are not found to be impaired. Loans are segregated into similar risk groups and a historical loss ratio is determined for each group over a five-year period. The five-year average loss ratio by loan type is then used to calculate the estimated loss based on the current balance of each group.

 

Qualitative and environmental loss factors are also applied against the portfolio, excluding impaired loans. These factors include external risk factors that we believe are representative of our overall lending environment. We believe that the following factors create a more comprehensive loss projection, which we can use to monitor the quality of the loan portfolio.

 

  1) Portfolio risk
  a) Levels and trends in delinquencies and impaired loans and changes in loan rating matrix
  b) Trends in volume and terms of loans
  c) Over-margined real estate lending risk
  2) National and local economic trends and conditions
  3) Effects of changes in risk selection and underwriting practices
  4) Experience, ability and depth of lending management staff
  5) Industry conditions
  6) Effects of changes in credit concentrations
  a) Loan concentration
  b) Geographic concentration
  c) Regulatory concentration
  7) Loan and credit administration risk
  a) Collateral documentation
  b) Insurance risk
  c) Maintenance of financial information risk
       

 

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The sum of each component’s analysis contributes to the total “estimated loss” within our portfolio.

 

Portfolio Risk  

Portfolio risk includes the levels and trends in delinquencies, impaired loans and changes in the loan rating matrix, trends in volume and terms of loans, and over-margined real estate lending. We are satisfied with the stability of the past due and non-performing loans and believe there has been no decline in the quality of our loan portfolio due to any trend in delinquent or adversely classified loans. Sizable unsecured principal balances on a non-amortizing basis are monitored. Although the vast majority of our real estate loans are underwritten on a cash flow basis, the secondary source of repayment is typically tied to our ability to realize the conversion of the collateral to cash. Accordingly, we closely monitor loan to value ratios. The maximum collateral advance rate is 80% on all real estate transactions, with the exception of raw land at 65% and land development at 70%.

 

Occasionally, we extend credit beyond our normal collateral advance margins in real estate lending. We refer to these loans as over-margined real estate loans. Although infrequent, the aggregate of these loans represents a notable part of our portfolio. Accordingly, these loans are monitored and the balances reported to the Board of Directors every quarter. An excessive level of this practice (as a percentage of capital) could result in additional regulatory scrutiny, competitive disadvantages and potential losses if forced to convert the collateral. The consideration of over-margined real estate loans directly relates to the capacity of the borrower to repay. We often request additional collateral to bring the loan to value ratio within the policy objectives and require a strong secondary source of repayment.

 

Although significantly under our policy threshold of 100% of capital (currently approximately $53.9 million), the amount of over-margined real estate loans currently totals approximately $1.5 million or approximately 0.48% of our loan portfolio at December 31, 2021 compared to $2.9 million or approximately 0.89% of the loan portfolio at December 31, 2020.

 

A credit rating matrix is used to rate all extensions of credit and to provide a more specific picture of the risk each loan poses to the quality of the loan portfolio. There are eight possible ratings used to determine the quality of each loan based on the following characteristics: cash flow, collateral quality, guarantor strength, financial condition, management quality, operating performance, the relevancy of the financial statements, historical loan performance, debt coverage ratio, and the borrower’s leverage position. The matrix is designed to meet our standards and expectations of loan quality. It is based on experience with similarly graded loans, industry best practices, and regulatory guidance. Our loan portfolio is graded in its entirety, with the exception of PPP loans. Because PPP loans are 100% guaranteed by the SBA and did not undergo the Bank’s typical underwriting process, they are not graded.

 

National and local economic trends and conditions   

National and local economic trends and conditions are constantly changing and both positively and negatively impact borrowers. Most macroeconomic conditions are not controllable by us and are incorporated into the qualitative risk factors. Natural and environmental disasters, including the rise of sea levels, political uncertainty, increasing levels of consumer price inflation, supply-chain disruptions and international instability are a few of the trends and conditions that are currently affecting the national and local economies. Additionally, the national and local economy has been affected by COVID-19 during the years ended December 31, 2021 and 2020. These changes have impacted borrowers’ ability, in many cases, to repay loans in a timely manner. On occasion, a loan’s primary source of repayment (i.e. personal income, cash flow, or lease income) may be eroded as a result of unemployment, lack of revenues, or the inability of a tenant to make rent payments.

 

Effects of changes in risk selection and underwriting practices  

The quality of our loan portfolio is contingent upon our risk selection and underwriting practices. All new loans (except for mortgage loans in the process of being sold to investors and loans secured by properly margined negotiable securities traded on an established market or other cash collateral) with exposure over $300,000 are reviewed by the Loan Committee on a monthly basis. The Board of Directors review credits over $750,000 monthly. Annual credit analyses are conducted on credits over $500,000 upon the receipt of updated financial information. Prior to extensions of credit, significant loan opportunities go through sound credit underwriting. Our Credit Department conducts a detailed cash flow analysis on each proposal using the most current financial information.

 

Experience, ability and depth of lending management staff   

We have over 300 combined years of lending experience among our lending staff. We are aware of the many challenges currently facing the banking industry. As other banks look to increase earnings in the short term, we will continue to emphasize the need to maintain safe and sound lending practices and core deposit growth managed with a long-term perspective.

 

Industry conditions  

There continues to be an influx of new banks and consolidation of existing banks in our geographic area, which creates pricing competition. We believe that our borrowing base is well established and therefore unsound price competition is not necessary.

 

Effects of changes in credit concentrations  

The risks associated with the effects of changes in credit concentration include loan, geographic and regulatory concentrations. As of December 31, 2021, one Standard Industrial Code group, activities related to real estate, comprised more than 2% of our total outstanding loans.

 

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Effects of changes in geographic concentrations  

We are located along the east coast of the United States and on an earthquake fault line, increasing the chances that a natural disaster may impact our borrowers and us. We have a Disaster Recovery Plan in place; however, the amount of time it would take for our customers to return to normal operations is unknown. Our plan is reviewed and tested annually.

 

Loan and credit administration risk 

Loan and credit administration risk includes collateral documentation, insurance risk and maintaining financial information risk.

 

The majority of our loan portfolio is collateralized with a variety of our borrowers’ assets. The execution and monitoring of the documentation to properly secure the loan is the responsibility of our lenders and loan department. We require insurance coverage naming us as the mortgagee or loss payee. Although insurance risk is also considered collateral documentation risk, the actual coverage, amounts of coverage and increased deductibles are important to management.

 

Financial Information Risk includes a function of time during which the borrower’s financial condition may change; therefore, keeping financial information up to date is important to us. Our policy requires all new loans (with a credit exposure of $10,000 or more), regardless of the customer’s history with us, to have updated financial information. In addition, we monitor appraisals closely as real estate values are appreciating.

 

Based on our analysis of the adequacy of the allowance for loan loss model, we recorded a provision for loan loss of $0.1 million for the year ended December 31, 2021 compared to $0.2 million for the year ended December 31, 2020. At December 31, 2021, the five-year average loss ratios were: 0.17% Commercial, 0.00% Commercial Real Estate Construction, -0.01% Commercial Real Estate Other, -0.03% Consumer Real Estate, and 0.54% Consumer Other.

 

During the year ended December 31, 2021, charge-offs of $20,990 and recoveries of $0.1 million were recorded to the allowance for loan losses, resulting in an allowance for loan losses of $4.4 million or 1.43% of total loans at December 31, 2021. During the year ended December 31, 2020, charge-offs of $0.3 million and recoveries of $0.2 million were recorded to the allowance for loan losses, resulting in an allowance for loan losses of $4.2 million or 1.30% of total loans at December 31, 2020. As of December 31, 2021, the allowance for loan losses was 1.47% of total loans less PPP loans. PPP loans are 100% guaranteed by the SBA; therefore, these loans do not have an associated reserve. We believe loss exposure in the portfolio is identified, reserved against, and closely monitored to ensure that economic changes are promptly addressed in the analysis of reserve adequacy.

 

The accrual of interest is generally discontinued on loans which become 90 days past due as to principal or interest. The accrual of interest on some loans may continue even though they are 90 days past due if the loans are well secured or in the process of collection and we deem it appropriate. If non-accrual loans decrease their past due status to less than 30 days for a period of six to nine months, they are reviewed individually to determine if they should be returned to accrual status. At December 31, 2021 and 2020, there were no loans over 90 days past due still accruing interest.

 

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The following table represents a summary of loan loss experience for the past five years.

 

   2021   2020   2019   2018   2017 
(in thousands)                         
Balance of the allowance of loan losses at the beginning of the period  $4,186   $4,004   $4,214   $3,875   $3,852 
                          
Charge-offs                         
Commercial   —    (172)   (399)   (31)   — 
Commercial Real Estate Construction   —    —    —    —    — 
Commercial Real Estate Other   —    —    —    —    (181)
Consumer Real Estate   —    —    —    —    — 
Consumer Other   (11)   (116)   (8)   (85)   (5)
Paycheck Protection Program   (10)   (2)   —    —    — 
Total charge-offs   (21)   (290)   (407)   (116)   (186)
                          
Recoveries                         
Commercial   21    89    12    14    6 
Commercial Real Estate Construction   —    —    —    —    — 
Commercial Real Estate Other   —    100    —    57    87 
Consumer Real Estate   48    —    —    45    60 
Consumer Other   22    43    5    14    1 
Paycheck Protection Program   1    —    —    —    — 
Total recoveries   92    232    17    130    154 
Net recoveries (charge-offs)    71    (58)   (390)   14    (32)
                          
Provision charged to operations   120    240    180    325    55 
                          
Balance of the allowance for loan losses at the end of the period  $4,377   $4,186   $4,004   $4,214   $3,875 

 

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We believe the allowance for loan losses at December 31, 2021 is adequate to cover estimated losses in the loan portfolio; however, assessing the adequacy of the allowance is a process that requires considerable judgment. Our judgments are based on numerous assumptions about current events that we believe to be reasonable, but may or may not be valid. Thus, there can be no assurance that loan losses in future periods will not exceed the current allowance amount or that future increases in the allowance will not be required. No assurance can be given that our ongoing evaluation of the loan portfolio in light of changing economic conditions and other relevant circumstances will not require significant future additions to the allowance, thus adversely affecting our operating results.

 

The following table presents a breakdown of the allowance for loan losses for the past five years. 

 

   2021   2020   2019   2018   2017 
    $   %(1)   $   %(1)   $   %(1)   $   %(1)   $   %(1)
(in thousands)                                                  
Commercial  $796    15%  $1,030    16%  $1,430    19%  $1,665    20%  $1,404    20%
Commercial Real Estate Construction   175    4%   199    5%   109    5%   64    3%   23    3%
Commercial Real Estate Other   2,376    54%   1,909    46%   1,271    52%   1,292    52%   1,550    52%
Consumer Real Estate   925    23%   925    22%   496    22%   387    23%   797    23%
Consumer Other   105    1%   123    1%   698    2%   806    2%   101    2%
Paycheck Protection Program   —    3%   —    10%   —    —%   —    —%   —    —%
Total  $4,377    100%  $4,186    100%  $4,004    100%  $4,214    100%  $3,875    100%

(1)       Loan category as a percentage of total loans.

 

The allowance is also subject to examination testing by regulatory agencies, which may consider such factors as the methodology used to determine adequacy and the size of the allowance relative to that of peer institutions and other adequacy tests. In addition, such regulatory agencies could require us to adjust our allowance based on information available to them at the time of their examination.  

 

The methodology used to determine the reserve for unfunded lending commitments, which is included in other liabilities, is inherently similar to the methodology used to determine the allowance for loan losses described above, adjusted for factors specific to binding commitments, including the probability of funding and historical loss ratio. During the year ended December 31, 2021, a provision of $0 was recorded compared to a provision of $11,894 during the year ended December 31, 2020. The balance for the reserve for unfunded lending commitments was $44,912 as of December 31, 2021 and 2020.   

 

NONPERFORMING ASSETS

 

Nonperforming assets include OREO, nonaccrual loans and loans past due 90 days or more and still accruing interest. The following table summarizes nonperforming assets for the five years ended December 31:

 

Nonperforming Assets                    
(in thousands)  2021   2020   2019   2018   2017 
Nonaccrual loans  $815   $1,156   $1,666   $824   $832 
Loans past due 90 days or more and still accruing interest   —    —    —    —    33 
Total nonperforming loans   815    1,156    1,666    824    865 
Other real estate owned   —    —    —    —    435 
Total nonperforming assets  $815   $1,156   $1,666   $824   $1,300 
                          
Allowance for loan losses to nonaccrual loans   537.36%   362.11%   240.34%   511.41%   465.75%
Nonaccrual loans to total loans   0.27%   0.36%   0.61%   0.30%   0.31%
Nonperforming loans to total loans   0.27%   0.36%   0.61%   0.30%   0.29%
Nonperforming assets to total assets   0.12%   0.22%   0.37%   0.19%   0.32%

 

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DEPOSITS

 

The following table shows the contractual maturities of time deposits in denominations of $100,000 or more at December 31, 2021 and the amount of time deposits in excess of FDIC insurance limits.

 

   One Day   Less than
three months		   Three months
to less than
six months		   Six months
to less than
one year		   One year
to less than
five years		   Five years
or more		   Total 
(in thousands)                                   
CD’s and other time deposits less than $100,000  $—   $1,912   $1,566   $1,708   $868   $4   $6,058 
CD’s and other time deposits $100,000 and over   —    4,902    5,568    3,657    1,104    —    15,231 
Total  $—   $6,814   $7,134   $5,365   $1,972   $4   $21,289 
                                    
CD’s and other time deposits in excess of FDIC insurance limit  $—   $798   $3,056   $564   $—   $—   $4,418 

 

 

Certificates of Deposit $100,000 and over increased $1.2 million or 8.41% to $15.2 million as of December 31, 2021 from $14.0 million as of December 31, 2020. This increase was primarily due to higher customer balances resulting from a continuation of government stimulus programs and increased savings.

 

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The following table presents average deposits by category.

 

   2021   2020   2019 
   Average
Balance		   Average
Rate Paid		   Average
Balance		   Average
Rate Paid		   Average
Balance		   Average
Rate Paid		 
Non-interest-bearing demand  $205,238    N/A   $163,394    N/A   $133,182    N/A 
Interest-bearing transaction accounts   242,618    0.04%   208,941    0.08%   189,115    0.29%
Savings   51,609    0.06%   40,771    0.10%   32,935    0.30%
Time deposits   20,435    0.28%   20,965    0.47%   26,456    0.62%
   $519,900        $434,071        $381,688      

 

Deposits increased $147.0 million or 31.80% to $609.2 million as of December 31, 2021, from $462.2 million as of December 31, 2020. Non-interest bearing deposits increased $86.6 million to $255.8 million as of December 31, 2021, primarily driven by a continuation of various government stimulus programs and decreased consumer spending, which both began in fiscal 2020.

 

We fund growth through core deposits. We do not have, nor do we rely on, Brokered Deposits or Internet Deposits.

 

34 

 

 

SHORT-TERM BORROWINGS

 

At December 31, 2021 and 2020, we had no outstanding federal funds purchased. We have a Borrower-In-Custody arrangement with the Federal Reserve. This arrangement permits the Company to retain possession of loans pledged as collateral to secure advances from the Federal Reserve Discount Window. Under this agreement, we may borrow up to $72.1 million. We established this arrangement as an additional source of liquidity. There have been no borrowings under this arrangement.

 

At December 31, 2021 and 2020, the Bank had unused short-term lines of credit totaling approximately $41 million and $23 million, respectively (which are withdrawable at the lender’s option).

 

OFF-BALANCE SHEET ARRANGEMENTS

 

In the normal course of operations, we engage in a variety of financial transactions that, in accordance with GAAP, are not recorded in the financial statements, or are recorded in amounts that differ from the notional amounts. These transactions involve, to varying degrees, elements of credit, interest rate, and liquidity risk. We use such transactions for general corporate purposes or customer needs. General corporate purpose transactions are used to help manage credit, interest rate and liquidity risk or to optimize capital. Customer transactions are used to manage customer requests for funding.

 

Our off-balance sheet arrangements consist principally of commitments to extend credit described below. We estimate probable losses related to binding unfunded lending commitments and record a reserve for unfunded lending commitments in other liabilities on the consolidated balance sheet. At December 31, 2021 and 2020, the balance of this reserve was $44,912. At December 31, 2021 and 2020, we had no interests in non-consolidated special purpose entities.

 

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained if deemed necessary by the Company upon extension of credit is based on our credit evaluation of the borrower. Collateral held varies but may include accounts receivable, negotiable instruments, inventory, property, plant and equipment, and real estate. Commitments to extend credit, including unused lines of credit, amounted to $117.5 million and $122.8 million as of December 31, 2021 and 2020, respectively.

 

Standby letters of credit represent our obligation to a third-party contingent upon the failure of our customer to perform under the terms of an underlying contract with the third party or obligates us to guarantee or stand as surety for the benefit of the third party. The underlying contract may entail either financial or nonfinancial obligations and may involve such things as the shipment of goods, performance of a contract, or repayment of an obligation. Under the terms of a standby letter, generally drafts will be drawn only when the underlying event fails to occur as intended. We can seek recovery of the amounts paid from the borrower. Commitments under standby letters of credit are usually for one year or less. The maximum potential amount of undiscounted future payments related to standby letters of credit at December 31, 2021 and 2020 was $0.6 million and $0.8 million, respectively.

 

We originate certain fixed rate residential loans and commit these loans for sale. The commitments to originate fixed rate residential loans and the sales commitments are freestanding derivative instruments. We had forward sales commitments, totaling $2.8 million at December 31, 2021, to sell loans held for sale of $2.8 million, compared to forward sales commitments of $13.0 million at December 31, 2020, to sell loans held for sale of $13.0 million. The fair value of these commitments was not significant at December 31, 2021 or 2020. We had no embedded derivative instruments requiring separate accounting treatment.

 

Once we sell certain fixed rate residential loans, the loans are no longer reportable on our balance sheet. With most of these sales, we have an obligation to repurchase the loan in the event of a default of principal or interest on the loan. This recourse period ranges from three to nine months. Misrepresentation or fraud carries unlimited time for recourse. The unpaid principal balance of loans sold with recourse was $30.8 million at December 31, 2021 and $57.2 million at December 31, 2020. For the years ended December 31, 2021 and December 31, 2020, there were no loans repurchased.

 

EFFECT OF INFLATION AND CHANGING PRICES

 

The consolidated financial statements have been prepared in accordance with GAAP, which require the measurement of financial position and results of operations in terms of historical dollars without consideration of changes in the relative purchasing power over time due to inflation.

 

Unlike most other industries, the assets and liabilities of financial institutions like the Company are primarily monetary in nature. As a result, interest rates generally have a more significant impact on our performance than the effects of general levels of inflation and changes in prices. In addition, interest rates do not necessarily move in the same direction or in the same magnitude as the prices of goods and services. We strive to manage the relationship between interest rate sensitive assets and liabilities in order to protect against wide interest rate fluctuations, including those resulting from inflation.

 

35

 

 

CAPITAL RESOURCES

 

Our capital needs have been met to date through the $10.6 million in capital raised in our initial offering, the retention of earnings less dividends paid and the exercise of options to purchase stock. Total shareholders’ equity at December 31, 2021 was $53.9 million. The rate of asset growth since our inception has not negatively impacted our capital base.

 

On July 2, 2013, the Federal Reserve Board approved the final rules implementing the Basel Committee on Banking Supervision’s (“BCBS”) capital guidelines for U.S. banks (“Basel III”). Following the actions by the Federal Reserve, the FDIC also approved regulatory capital requirements on July 9, 2013. The FDIC’s rule is identical in substance to the final rules issued by the Federal Reserve Bank.

 

Basel III became effective on January 1, 2015. The purpose is to improve the quality and increase the quantity of capital for all banking organizations. The minimum requirements for the quantity and quality of capital were increased. The rule includes a new common equity Tier 1 capital to risk-weighted assets ratio of 4.5% and a common equity Tier 1 capital conservation buffer of 2.5% of risk-weighted assets. The rule also raises the minimum ratio of Tier 1 capital to risk-weighted assets from 4% to 6% and requires a minimum leverage ratio of 4%. In addition, the rule also implements strict eligibility criteria for regulatory capital instruments and improves the methodology for calculating risk-weighted assets to enhance risk sensitivity. Full compliance with all of the final rule requirements will be phased in over a multi-year schedule.

 

On November 4, 2019, the federal banking agencies jointly issued a final rule on an optional, simplified measure of capital adequacy for qualifying community banking organizations called the community bank leverage ratio (“CBLR”) framework effective on January 1, 2020. A qualifying community banking organization is defined as having less than $10 billion in total consolidated assets, a leverage ratio greater than 9%, off-balance sheet exposures of 25% or less of total consolidated assets, and trading assets and liabilities of 5% or less of total consolidated assets. Additionally, the qualifying community banking institution must be a non-advanced approaches FDIC supervised institution. The final rule adopts Tier 1 capital and existing leverage ratio into the CBLR framework. The Bank adopted this rule as of September 30, 2020 and is no longer subject to other capital and leverage requirements. A CBLR bank meeting qualifying criterion is deemed to have met the “well capitalized” ratio requirements and be in compliance with the generally applicable capital rule. The Bank’s CBLR as of December 31, 2021 was 8.66%. As of December 31, 2021, the Company and the Bank were categorized as “well capitalized.” We believe, as of December 31, 2021, that the Company and the Bank meet all capital adequacy requirements to which we are subject.

 

There are no current conditions or events that we are aware of that would change the Company’s or the Bank’s capital adequacy category.

 

Please see “Notes to Consolidated Financial Statements” for additional information regarding the Company’s and the Bank’s capital ratios at December 31, 2021.

 

Item 7A.     Quantitative and Qualitative Disclosures About Market Risk

 

See the Market Risk section in “Management’s Discussion and Analysis of Financial Condition and Results of Operations” included in Item 7 of this report.

 

36

 

 

Item 8.     Financial Statements and Supplementary Data

 

 

Report of Independent Registered Public Accounting Firm

 

To the Shareholders and the Board of Directors of Bank of South Carolina Corporation:

 

Opinion on the Financial Statements

 

We have audited the accompanying consolidated balance sheets of Bank of South Carolina Corporation (the “Company”) as of December 31, 2021 and 2020 and the related consolidated statements of income, comprehensive income, shareholders' equity and cash flows for each of the three years in the period ended December 31, 2021, and the related notes to the consolidated financial statements and schedules (collectively, the “financial statements”). In our opinion, the financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2021 and 2020, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2021, in conformity with accounting principles generally accepted in the United States of America.

 

Basis for Opinion

 

These financial statements are the responsibility of the Company’s management. Our responsibility is to express an opinion on the Company’s financial statements based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Company in accordance with U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

 

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. The Company is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. As part of our audits we are required to obtain an understanding of internal control over financial reporting but not for the purpose of expressing an opinion on the effectiveness of the Company's internal control over financial reporting. Accordingly, we express no such opinion.

 

Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.

 

Critical Audit Matters

 

The critical audit matters communicated below are matters arising from the current period audit of the financial statements that were communicated or required to be communicated to the audit committee and that: (1) relate to accounts or disclosures that are material to the financial statements and (2) involved our especially challenging, subjective, or complex judgments. The communication of critical audit matters does not alter in any way our opinion on the financial statements, taken as a whole, and we are not, by communicating the critical audit matters below, providing separate opinions on the critical audit matters or on the accounts or disclosures to which they relate.

 

Allowance for Loan Losses

 

As described in Note 4 to the Company’s financial statements, the Company has a gross loan portfolio of approximately $306.6 million and related allowance for loan losses of approximately $4.8 million as of December 31, 2021. As described by the Company in Note 1, the evaluation of the allowance for loan losses is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. The allowance for loan losses is evaluated on a regular basis and is based upon the Company’s review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral, and prevailing economic conditions.

 

We identified the Company’s estimate of the allowance for loan losses as a critical audit matter. The principal considerations for our determination of the allowance for loan losses as a critical audit matter related to the high degree of subjectivity in the Company’s judgments in determining the qualitative factors. Auditing these complex judgments and assumptions by the Company involves especially challenging auditor judgment due to the nature and extent of audit evidence and effort required to address these matters, including the extent of specialized skill or knowledge needed.

 

The primary procedures we performed to address this critical audit matter included the following:

 

●We evaluated the relevance and the reasonableness of assumptions related to evaluation of the loan portfolio, current economic conditions, and other risk factors used in development of the qualitative factors for collectively evaluated loans.

●We validated the completeness and accuracy of the underlying data used to develop the factors.

●We validated the mathematical accuracy of the calculation.

●We evaluated the reasonableness of assumptions and data used by the Company in developing the qualitative factors by comparing these data points to internally developed and third-party sources, as well as other audit evidence gathered.

●Analytical procedures were performed to evaluate the directional consistency of changes that occurred in the allowance for loan losses for loans collectively evaluated for impairment.

 

We have served as the Company's auditor since 2006.

 

 

Charleston, South Carolina

March 4, 2022

 

37

 

 

BANK OF SOUTH CAROLINA CORPORATION AND SUBSIDIARY 

CONSOLIDATED BALANCE SHEETS

 

   December 31,   December 31, 
   2021   2020 
ASSETS          
Cash and due from banks  $11,140,559   $5,977,896 
Interest-bearing deposits at the Federal Reserve   128,971,429    42,348,085 
Investment securities available for sale (amortized cost of $215,047,451 and $132,706,063 in 2021 and 2020, respectively)   212,347,489    134,819,818 
Mortgage loans to be sold   2,774,388    12,965,733 
Loans   306,632,229    320,802,673 
Less: Allowance for loan losses   (4,376,987)   (4,185,694)
Net loans   302,255,242    316,616,979 
Premises, equipment and leasehold improvements, net   3,782,936    4,053,533 
Right of use asset   14,041,843    12,730,151 
Accrued interest receivable   1,404,227    1,595,629 
Other assets   2,502,533    1,386,775 
           
Total assets  $679,220,646   $532,494,599 
           
LIABILITIES AND SHAREHOLDERS’ EQUITY          
Liabilities          
Deposits:          
Non-interest bearing demand  $255,783,644   $169,170,751 
Interest bearing demand   165,335,038    140,602,723 
Money market accounts   98,113,942    84,681,783 
Time deposits $250,000 and over   7,417,864    4,493,189 
Other time deposits   13,870,356    16,205,942 
Other savings deposits   68,670,732    47,043,243 
Total deposits   609,191,576    462,197,631 
           
Accrued interest payable and other liabilities   2,069,594    2,586,461 
Lease liability   14,041,843    12,730,151 
Total liabilities   625,303,013    477,514,243 
Commitments and contingencies in Notes 7 and 11          
Shareholders’ equity          
Common stock - no par 12,000,000 shares authorized; Issued 5,841,240 shares at

December 31, 2021 and 5,818,935 shares at December 31, 2020. Shares outstanding 5,541,266
and 5,520,469 at December 31, 2021 and December 31, 2020, respectively.

          
Additional paid in capital   47,745,285    47,404,869 
Retained earnings   11,122,710    8,693,519 
Treasury stock: 299,974 shares as of December 31, 2021 and 298,466 shares as of December 31, 2020   (2,817,392)   (2,787,898)
Accumulated other comprehensive income (loss), net of income taxes   (2,132,970)   1,669,866 
Total shareholders’ equity   53,917,633    54,980,356 
           
Total liabilities and shareholders’ equity  $679,220,646   $532,494,599 

 

See accompanying notes to consolidated financial statements.

 

38

 

 

BANK OF SOUTH CAROLINA CORPORATION AND SUBSIDIARY 

CONSOLIDATED STATEMENTS OF INCOME

 

                       
   Years Ended December 31, 
   2021   2020   2019 
Interest and fee income               
Loans, including fees  $15,285,012   $15,055,981   $15,994,290 
Taxable securities   1,849,347    1,628,753    1,617,471 
Tax-exempt securities   313,443    370,998    570,623 
Other   103,309    184,024    729,868 
Total interest and fee income   17,551,111    17,239,756    18,912,252 
                
Interest expense               
Deposits   174,000    305,414    815,171 
Total interest expense   174,000    305,414    815,171 
                
Net interest income   17,377,111    16,934,342    18,097,081 
Provision for loan losses   120,000    240,000    180,000 
Net interest income after provision for loan losses   17,257,111    16,694,342    17,917,081 
                
Other income               
Service charges and fees   1,254,699    1,094,985    1,175,657 
Mortgage banking income   2,314,106    2,267,406    940,671 
Gain on sales of securities, net   266,944    10,002    50,707 
Other non-interest income   32,482    32,508    31,574 
Total other income   3,868,231    3,404,901    2,198,609 
                
Other expense               
Salaries and employee benefits   7,437,787    7,219,005    6,809,258 
Net occupancy expense   2,428,082    2,216,727    1,623,590 
Data processing fees   622,536    646,590    607,467 
Professional expenses   395,115    345,126    324,628 
Other operating expenses   1,425,454    1,245,485    1,257,040 
Total other expense   12,308,974    11,672,933    10,621,983 
                
Income before income tax expense   8,816,368    8,426,310    9,493,707 
Income tax expense   2,071,503    1,965,679    2,175,274 
                
Net income  $6,744,865   $6,460,631   $7,318,433 
                
Weighted average shares outstanding               
Basic   5,531,518    5,526,948    5,522,025 
Diluted   5,680,482    5,678,543    5,588,090 
                
Basic income per common share  $1.22   $1.17   $1.33 
Diluted income per common share  $1.19   $1.14   $1.31 

 

See accompanying notes to consolidated financial statements.

 

39

 

 

BANK OF SOUTH CAROLINA CORPORATION AND SUBSIDIARY 

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

 

                       
   Years Ended December 31, 
   2021   2020   2019 
Net income  $6,744,865   $6,460,631   $7,318,433 
Other comprehensive (loss) income               
Unrealized (loss) gain on securities arising during the period   (4,546,773)   1,512,600    2,911,491 
Reclassification adjustment for securities gains realized in net income   (266,944)   (10,002)   (50,707)
Other comprehensive (loss) income before tax   (4,813,717)   1,502,598    2,860,784 
Income tax effect related to items of other comprehensive (loss) income before tax   1,010,881   (315,546)   (600,765)
Other comprehensive (loss) income after tax   (3,802,836)   1,187,052    2,260,019 
Total comprehensive income  $2,942,029   $7,647,683   $9,578,452 

 

See accompanying notes to consolidated financial statements.

 

40

 

 

BANK OF SOUTH CAROLINA CORPORATION AND SUBSIDIARY 

CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY  

YEARS ENDED DECEMBER 31, 2021, 2020 AND 2019

 

   Shares
Outstanding		   Additional
Paid in
Capital		   Retained
Earnings		   Treasury
Stock		   Accumulated
Other
Comprehensive Income (Loss)		   Total 
December 31, 2018   5,510,917   $46,857,734   $2,650,296   $(2,268,264)  $(1,777,205)  $45,462,561 
                               
Net income   —    —    7,318,433    —    —    7,318,433 
Other comprehensive loss   —    —    —    —    2,260,019    2,260,019 
Stock option exercises, net of surrenders   19,084    195,247    —    (56,961)   —    138,286 
Stock-based compensation expense   —    78,053    —    —    —    78,053 
Cash dividends ($0.74 per common share)   —    —    (4,089,320)   —    —    (4,089,320)
December 31, 2019   5,530,001   $47,131,034   $5,879,409   $(2,325,225)  $482,814   $51,168,032 
                               
Net income   —    —    6,460,631    —    —    6,460,631 
Other comprehensive gain   —    —    —    —    1,187,052    1,187,052 
Stock option exercises, net of surrenders   15,535    180,849    —    (63,805)   —    117,044 
Stock-based compensation expense   —    92,986    —    —    —    92,986 
Repurchase of common shares   (25,067)   —    —    (398,868)   —    (398,868)
Cash dividends ($0.66 per common share)   —    —    (3,646,521)   —    —    (3,646,521)
December 31, 2020   5,520,469   $47,404,869   $8,693,519   $(2,787,898)  $1,669,866   $54,980,356 
                               
Net income   —    —    6,744,865    —    —    6,744,865 
Other comprehensive loss   —    —    —    —    (3,802,836)   (3,802,836)
Stock option exercises, net of surrenders   20,797    237,383    —    (29,494)   —    207,889 
Stock-based compensation expense   —    103,033    —    —    —    103,033 
Cash dividends ($0.78 per common share)   —    —    (4,315,674)   —    —    (4,315,674)
December 31, 2021   5,541,266   $47,745,285   $11,122,710   $(2,817,392)  $(2,132,970)  $53,917,633 

 

See accompanying notes to consolidated financial statements.

 

41

 

 

BANK OF SOUTH CAROLINA CORPORATION AND SUBSIDIARY 

CONSOLIDATED STATEMENTS OF CASH FLOWS

 

                       
   Years Ended December 31, 
   2021   2020   2019 
Cash flows from operating activities:               
Net income  $6,744,865   $6,460,631   $7,318,433 
Adjustments to reconcile net income to net cash provided by operating activities:               
Depreciation expense   412,866    421,040    230,377 
Gain on sale of investment securities   (266,944)   (10,002)   (50,707)
Provision for loan losses   120,000    240,000    180,000 
Stock-based compensation expense   103,033    92,986    78,053 
Deferred income taxes   (46,751)   (422,345)   432,844 
Net amortization of unearned discounts on investment securities available for sale   592,357    362,159    247,624 
Origination of mortgage loans held for sale   (163,176,146)   (181,781,058)   (67,783,219)
Proceeds from sale of mortgage loans held for sale   173,367,491    173,877,723    63,920,259 
Decrease (increase) in accrued interest receivable and other assets   133,276    (38,312)   (221,400)
(Decrease) increase in accrued interest payable and other liabilities   (520,403)   1,089,165    91,204 
Net cash provided by operating activities   17,463,644    291,987    4,443,468 
                
Cash flows from investing activities:               
Proceeds from calls and maturities of investment securities available for sale   36,967,000    23,491,000    9,356,835 
Proceeds from sale of investment securities available for sale   15,572,500    11,550,000    30,412,250 
Purchase of investment securities available for sale   (135,206,301)   (68,260,421)   (17,886,300)
Net decrease (increase) in loans   14,241,737    (46,788,177)   201,134 
Purchase of premises, equipment, and leasehold improvements, net   (142,269)   (184,138)   (2,185,605)
Net cash (used in) provided by investing activities   (68,567,333)   (80,191,736)   19,898,314 
                
Cash flows from financing activities:               
Net increase (decrease) in deposit accounts   146,993,945    83,005,976    (3,186,733)
Dividends paid   (4,312,138)   (3,592,841)   (4,031,157)
Repurchase of common shares   —    (398,868)   — 
Stock options exercised   207,889    117,044    138,286 
Net cash provided by (used in) financing activities   142,889,696    79,131,311    (7,079,604)
Net increase (decrease) in cash and cash equivalents   91,786,007    (768,438)   17,262,178 
Cash and cash equivalents at the beginning of the period   48,325,981    49,094,419    31,832,241 
Cash and cash equivalents at the end of the period  $140,111,988   $48,325,981   $49,094,419 
                
Cash paid during the period for:               
Interest  $179,793   $323,455   $940,299 
Income taxes  $2,845,420   $814,052   $1,761,574 
                
Supplemental disclosures for non-cash investing and financing activity:               
Change in unrealized gain or loss on securities available for sale, net of income taxes  $(3,802,836)  $1,187,052   $2,260,019 
Change in dividends payable  $3,536   $53,680   $58,163 
Right of use assets obtained in exchange for lease obligation  $1,825,793   $—   $13,519,027 
Change in right of use assets and lease liabilities  $514,101   $479,066   $309,810 

 

See accompanying notes to consolidated financial statements.

 

42

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

1.ORGANIZATION

 

The Bank of South Carolina (the “Bank”) was organized on October 22, 1986 and opened for business as a state-chartered financial institution on February 26, 1987, in Charleston, South Carolina. The Bank was reorganized into a wholly-owned subsidiary of Bank of South Carolina Corporation (the “Company”), effective April 17, 1995. At the time of the reorganization, each outstanding share of the Bank was exchanged for two shares of Bank of South Carolina Corporation Stock.

 

 

2.SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

 

Our accounting and reporting policies conform, in all material respects, to U.S. generally accepted accounting principles (“GAAP”), and to general practices within the banking industry. The following summarizes the more significant of these policies and practices.

 

Principles of Consolidation:  

The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, the Bank. In consolidation, all significant intercompany balances and transactions have been eliminated.

 

References to “we,” “us,” “our,” “the Bank,” or “the Company” refer to the parent and its subsidiary that are consolidated for financial reporting purposes.

 

Accounting Estimates and Assumptions:  

The financial statements are prepared in conformity with GAAP, which require management to make estimates and assumptions. These estimates and assumptions affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reported periods. Actual results could differ significantly from these estimates and assumptions. Material estimates generally susceptible to significant change are related to the determination of the allowance for loan losses, impaired loans, other real estate owned, deferred tax assets, the fair value of financial instruments and other-than-temporary impairment of investment securities.

 

Reclassification:  

Certain amounts in the prior years’ financial statements have been reclassified to conform to the current year’s presentation. Such reclassifications have no effect on shareholders’ equity or the net income as previously reported.

 

Subsequent Events:  

Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed as of the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist as of the date of the balance sheet but arose after that date. We have reviewed events occurring through the date the financial statements were available to be issued and no subsequent events occurred requiring accrual or disclosure.

 

Cash and Cash Equivalents:  

Cash and cash equivalents include working cash funds, due from banks, interest-bearing deposits at the Federal Reserve, items in process of collection and federal funds sold. All cash equivalents are readily convertible to cash and have maturities of less than 90 days.

 

Depository institutions are required to maintain reserve and clearing balances at the Federal Reserve Bank. Vault cash satisfied our daily reserve requirement for the years ended December 31, 2021 and 2020.  

 

Interest-bearing Deposits at the Federal Reserve:  

Interest-bearing deposits at the Federal Reserve mature daily and are carried at cost.

 

Investment Securities:  

We classify investments into three categories: (1) Held to Maturity - debt securities that we have the positive intent and ability to hold to maturity, which are reported at amortized cost, adjusted for the amortization of any related premiums or the accretion of any related discounts into interest income using a methodology which approximates a level yield of interest over the estimated remaining period until maturity; (2) Trading - debt securities that are bought and held principally for the purpose of selling them in the near term, which are reported at fair value, with unrealized gains and losses included in earnings; and (3) Available for Sale - debt securities that may be sold under certain conditions, which are reported at fair value, with unrealized gains and losses excluded from earnings and reported as a separate component of shareholders’ equity, net of income taxes. Unrealized losses on securities due to fluctuations in fair value are recognized when it is determined that an other than temporary decline in value has occurred.

 

43

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

Realized gains or losses on the sale of investments are recognized on a specific identification, trade date basis. All securities were classified as available for sale for 2021 and 2020.

 

Mortgage Loans to be Sold:  

We originate fixed and variable rate residential mortgage loans on a service release basis in the secondary market. Loans closed but not yet settled with an investor are carried in our loans to be sold portfolio.   Virtually all of these loans have commitments to be purchased by investors and the majority of these loans were locked in by price with the investors on the same day or shortly thereafter that the loan was locked in with our customers.  Therefore, these loans present very little market risk.  We usually deliver to, and receive funding from, the investor within 30 to 60 days.  Commitments to sell these loans to the investor are considered derivative contracts and are sold to investors on a “best efforts” basis. We are not obligated to deliver a loan or pay a penalty if a loan is not delivered to the investor. Because of the short-term nature of these derivative contracts, the fair value of the mortgage loans to be sold in most cases is materially the same as the value of the loan amount at its origination.

 

Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated market value in the aggregate. Net unrealized losses are provided for in a valuation allowance by charges to operations as a component of mortgage banking income. Gains or losses on sales of loans are recognized when control over these assets are surrendered and are included in mortgage banking income in the consolidated statements of income.

 

Loans and Allowance for Loan Losses:   

Loans are carried at principal amounts outstanding. Loan origination fees, net of certain direct origination costs, are deferred and recognized over the weighted average life of the loan as an adjustment to yield. Interest income on all loans is recorded on an accrual basis. The accrual of interest and the amortization of net loan fees are generally discontinued on loans that 1) are maintained on a cash basis because of deterioration in the financial condition of the borrower; 2) the payment of full principal is not expected; or 3) the principal or interest has been in default for a period of 90 days or more. We define past due loans based on contractual payment and maturity dates.

 

The accrual of interest is generally discontinued on loans that become 90 days past due as to principal or interest. The accrual of interest on some loans may continue even though they are 90 days past due if the loans are well secured or in the process of collection and management deems it appropriate. If non-accrual loans decrease their past due status to less than 30 days for a period of six to nine months, they are reviewed individually by management to determine if they should be returned to accrual status.

 

When the ultimate collectability of an impaired loan’s principal is in doubt, wholly or partially, all cash receipts are applied to principal. Once the recorded principal balance has been reduced to zero, future cash receipts are applied to interest income, to the extent that any interest has been foregone. Further cash receipts are recorded as recoveries of any amounts previously charged off. When this doubt does not exist, cash receipts are applied under the contractual terms of the loan agreement first to interest income and then to principal.  

 

We account for impaired loans by requiring that all loans (greater than $50,000) where it is estimated that we will be unable to collect all amounts due according to the terms of the loan agreement be recorded at the loan’s fair value. Fair value may be determined based upon the present value of expected future cash flows discounted at the loan’s effective interest rate, or the fair value of the collateral less cost to sell, if the loan is collateral dependent.

 

Additional accounting guidance allows us to use existing methods for recognizing interest income on an impaired loan. The guidance also requires additional disclosures about how we estimate interest income related to our impaired loans.

 

A loan is also considered impaired if its terms are modified in a troubled debt restructuring (“TDR”). For this type of impaired loan, cash receipts are typically applied to principal and interest receivable in accordance with the terms of the restructured loan agreement. Interest income is recognized on these loans using the accrual method of accounting, provided they are performing in accordance with their restructured terms.

 

The allowance for loan losses (the “allowance”) is our estimate of credit losses inherent in the loan portfolio. The allowance is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when we believe the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance is evaluated on a regular basis and is based upon our periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.

 

44

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

We believe that the allowance is adequate to absorb inherent losses in the loan portfolio; however, there can be no assurance that loan losses in future periods will not exceed the current allowance amount or that future increases in the allowance will not be required. No assurance can be given that our ongoing evaluation of the loan portfolio, in light of changing economic conditions and other relevant circumstances, will not require significant future additions to the allowance, thus adversely affecting our operating results.

 

The allowance is also subject to examination by regulatory agencies, which may consider factors such as the methodology used to determine adequacy and the size of the allowance relative to that of peer institutions and other adequacy tests. In addition, such regulatory agencies could require us to adjust our allowance based on information available at the time of the examination.

 

The methodology used to determine the reserve for unfunded lending commitments, which is included in other liabilities, is inherently similar to the methodology used to determine the allowance adjusted for factors specific to binding commitments, including the probability of funding and historical loss ratio.

 

Concentration of Credit Risk:  

Our primary market consists of the counties of Berkeley, Charleston and Dorchester, South Carolina. As of December 31, 2021, the majority of the total loan portfolio, as well as a substantial portion of the commercial and real estate loan portfolios, were to borrowers within this region. No other areas of significant concentration of credit risk have been identified.

 

Premises, Equipment and Leasehold Improvements and Depreciation:  

Land is carried at cost. Buildings and equipment are stated at cost less accumulated depreciation. Depreciation is recorded using the straight-line method for financial reporting purposes and accelerated methods for income tax purposes over the estimated useful lives of the assets ranging from 40 years for buildings and 3 to 15 years for equipment. Leasehold improvements are amortized over the shorter of the asset’s useful life or the remaining lease term, including renewal periods when reasonably assured. The cost of maintenance and repairs is charged to operating expense as incurred.

 

Leases:

In accordance with ASU 2016-02, the Company determines if a contractual arrangement is a lease at inception. Operating leases are included in the operating right of use (“ROU”) assets and current operating lease liabilities on the Company’s consolidated balance sheet. ROU assets represent the Company’s right to use an underlying asset for the lease term and lease liabilities represent the Company’s obligation to make lease payments arising from the lease. Currently, the Company does not have any finance leases.

 

Beginning January 1, 2019, operating lease ROU assets and lease liabilities are recognized at the commencement of the lease based on the present value of lease payments over the lease term. The lease payments included in the present value are fixed payments and index-based variable lease payments. The Company estimates the incremental borrowing rate, based on information available at the commencement of the lease, as most of the Company’s leases do not include an implicit rate.

 

Income Taxes:  

We account for income taxes under the asset and liability method. Deferred tax assets and liabilities are recognized for future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using the enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Net deferred tax assets are included in other assets in the consolidated balance sheet.

 

Accounting standards require the accounting for uncertainty in income taxes recognized in an enterprise’s financial statements. These standards also prescribe a recognition threshold and measurement of a tax position taken or expected to be taken in an enterprise’s tax return. We believe that we had no uncertain tax positions for the years ended December 31, 2021 and 2020.

 

The income tax effects of unrealized gains and losses on investment securities available for sale are released from accumulated other comprehensive income at the time such securities are sold or impaired.

 

Stock-Based Compensation:  

Compensation cost is recognized for stock options issued to employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options. Compensation cost is recognized over the expected term of the stock options and is adjusted for forfeitures as they occur.

 

45

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

Income Per Common Share:  

Basic income per share is computed by dividing net income by the weighted-average number of common shares outstanding. Diluted earnings per share is computed by dividing net income by the weighted-average number of common shares and potential common shares outstanding. Potential common shares consist of dilutive stock options determined using the treasury stock method and the average market price of common stock. Earnings per share are restated for all stock splits and stock dividends through the date of issuance of the consolidated financial statements.

 

Segment Information:  

The Company operates and manages itself within one retail banking segment and therefore has not provided segment disclosures.

 

Interest Rate Lock Commitments and Forward Sale Contracts:  

Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as free-standing derivatives. The fair value of the interest rate lock is recorded at the time the commitment to fund the mortgage loan is executed and is adjusted for the expected exercise of the commitments before the loan is funded. In order to hedge the change in interest rates resulting from commitments to fund the loans, we enter into forward commitments for the future delivery of mortgage loans when the interest rate is locked. Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked. Changes in the fair values of these derivatives are included in income when they occur. As a result of the short-term nature of mortgage loans held for sale (derivative contract), our derivative instruments were considered to be immaterial as of December 31, 2021 and 2020.

 

We had no embedded derivative instruments requiring hedge accounting treatment at December 31, 2021 and 2020. We do not currently engage in hedging activities.

 

Recent Accounting Pronouncements:  

The following is a summary of recent authoritative pronouncements that could impact the accounting, reporting and/or disclosure of financial information by the Company.

 

In June 2016, the FASB issued ASU 2016-13, Financial instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, to change the accounting for credit losses and modify the impairment model for certain debt securities. ASU 2016-13 changes the impairment model for most financial assets to a current expected credit loss ("CECL") model, replacing the incurred loss model that is currently in use. The new guidance requires an entity to measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable supportable forecasts. The CECL model will apply to financial assets measured at amortized cost, such as loans and investments, as well as certain off-balance sheet credit exposures. In May 2019, the FASB issued guidance to provide entities with an option to irrevocably elect the fair value option, applied on an instrument-by-instrument basis for eligible instruments, upon adoption of ASU 2016-13, Measurement of Credit Losses on Financial Instruments. In October 2019, the FASB voted to extend the implementation date for smaller reporting companies, non-SEC public companies, and private companies. This amendment will become effective for the Company on January 1, 2023. In connection with its efforts to implement ASU 2016-13, the Company internally developed and tested a model to apply the provisions of this guidance upon adoption. The Company is currently in the process of evaluating the impact on the consolidated financial statements of adopting ASU 2016-13. The actual impact of adopting ASU 2016-13 will be influenced by the quality, composition, and characteristics of our loan and investment portfolios, as well as the expected economic conditions and forecasts at the time of adoption and future reporting periods. 

 

In December 2019, the FASB issued ASU 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes, which provides guidance to simply accounting for income taxes by removing specific technical exceptions that can produce information investors do not understand. The amendments improve and simplify the application of GAAP for other areas of Topic 740 by clarifying and amending the existing guidance. The amendment became effective January 1, 2021 and did not have a material effect on the consolidated financial statements.

 

In January 2020, the FASB issued guidance to address accounting for the transition into and out of the equity method and measuring certain purchased options and forward contracts to acquire investments. The amendment became effective January 1, 2021 and did not have a material effect on the consolidated financial statements.

 

In March 2020, the FASB issued guidance that makes narrow-scope improvements to various aspects of the financial instrument guidance, including the current expected credit losses (CECL) guidance issued in 2016. The amendments related to conforming amendments. For public business entities, the amendments are effective upon issuance of this final ASU. For the amendments related to ASU 2016-13, public business entities that meet the definition of an SEC filer, excluding eligible smaller reporting companies (SRCs) as defined by the SEC, should adopt the amendments in ASU 2016-13 during 2020. Early adoption will continue to be permitted. For entities that have not yet adopted the guidance in ASU 2016-13, the effective dates and the transition requirements for these amendments are the same as the effective date and transition requirements in ASU 2016-13. The Company does not expect these amendments to have a material effect on its consolidated financial statements.

 

In March 2020, the FASB issued guidance to provide temporary optional guidance to ease the potential burden in accounting for reference rate reform. The amendments are effective as of March 12, 2020 through December 31, 2022. The Company does not expect these amendments to have a material effect on its consolidated financial statements.

 

46

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

In January 2021, the FASB issued amendments to clarify that certain optional expedients and exceptions in the reference rate reform topic for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. The amendments were effective immediately upon issuance. The amendments did not have a material effect on the Company’s consolidated financial statements.

 

In August 2021, the FASB issued amendments to update SEC paragraphs in the Accounting Standards Codification to reflect the issuance of SEC Release No. 33-10786, Amendments to Financial Disclosures about Acquired and Disposed Businesses, and No. 33-10835, Update of Statistical Disclosures for Bank and Savings and Loan Registrants. The amendments were effective upon issuance. The amendments did not have a material effect on the Company’s consolidated financial statements.

 

In November 2021, the FASB added a topic to the Accounting Standards Codification, Government Assistance, to require certain annual disclosures about transactions with a government that are accounted for by applying a grant or contribution accounting model by analogy to other accounting guidance. The guidance is effective for financial statements issued for annual periods beginning after December 15, 2021. The Company does not expect these amendments to have a material effect on its consolidated financial statements.

 

Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on our financial position, results of operations or cash flows.  

 

 

3.INVESTMENT SECURITIES AVAILABLE FOR SALE

 

The amortized cost and fair value of investment securities available for sale are summarized as follows.

 

   December 31, 2021 
   Amortized
Cost		   Gross
Unrealized
Gains		   Gross
Unrealized
Losses		   Estimated
Fair Value		 
U.S. Treasury Notes  $101,269,851   $68,848   $(1,276,399)  $100,062,300 
Government-Sponsored Enterprises   76,355,720    275,123    (1,909,834)   74,721,009 
Municipal Securities   37,421,880    335,912    (193,612)   37,564,180 
Total  $215,047,451   $679,883   $(3,379,845)  $212,347,489 

 

   December 31, 2020 
   Amortized
Cost		   Gross
Unrealized
Gains		   Gross
Unrealized
Losses		   Estimated
Fair Value		 
U.S. Treasury Notes  $20,036,549   $374,001   $—   $20,410,550 
Government-Sponsored Enterprises   96,614,182    1,398,884    (160,260)   97,852,806 
Municipal Securities   16,055,332    501,130    —    16,556,462 
Total  $132,706,063   $2,274,015   $(160,260)  $134,819,818 

 

47

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

The amortized cost and estimated fair value of investment securities available for sale at December 31, 2021 and 2020, by contractual maturity are in the following table.

 

   December 31, 2021   December 31, 2020 
   Amortized
Cost		   Estimated
Fair Value		   Amortized
Cost		   Estimated
Fair Value		 
Due in one year or less  $12,756,176   $12,859,086   $32,245,646   $32,622,890 
Due in one year to five years   116,602,790    115,896,465    40,022,194    41,258,370 
Due in five years to ten years   76,531,464    74,575,862    50,438,223    50,968,288 
Due in ten years and over   9,157,021    9,016,076    10,000,000    9,970,270 
                     
Total  $215,047,451   $212,347,489   $132,706,063   $134,819,818 

 

Securities pledged to secure deposits at December 31, 2021 and 2020, had a carrying amount of $33,292,124 and $42,398,616, respectively.

 

48

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2021 and 2020. We believe that all unrealized losses have resulted from temporary changes in the interest rate market and not as a result of credit deterioration. We do not intend to sell and it is not likely that we will be required to sell any of the securities referenced in the table below before recovery of their amortized cost.

 

   December 31, 2021 
   Less Than 12 Months   12 Months or Longer   Total 
   #   Fair
Value		   Gross Unrealized
Loss		   #   Fair
Value		   Gross Unrealized
Loss		   #   Fair
Value		   Gross Unrealized
Loss		 
U.S. Treasury Notes   15   $94,994,915   $(1,276,399)   —   $—   $—    15   $94,994,915   $(1,276,399)
Government-Sponsored Enterprises   3    19,480,595    (519,405)   6    39,909,134    (1,390,429)   9    59,389,729    (1,909,834)
Municipal Securities   19    11,384,462    (193,612)   —    —    —    19    11,384,462    (193,612)
                                              
Total   37   $125,859,972   $(1,989,416)   6   $39,909,134   $(1,390,429)   43   $165,769,106   $(3,379,845)

 

   December 31, 2020 
   Less Than 12 Months   12 Months or Longer   Total 
   #   Fair
Value		   Gross Unrealized
Loss		   #   Fair
Value		   Gross Unrealized
Loss		   #   Fair
Value		   Gross Unrealized
Loss		 
U.S. Treasury Notes   —   $—   $—    —   $—   $—    —   $—   $— 
Government-Sponsored Enterprises   4    29,839,740    (160,260)   —    —    —    4    29,839,740    (160,260)
Municipal Securities   —    —    —    —    —    —    —    —    — 
                                              
Total   4   $29,839,740   $(160,260)   —   $—   $—    4   $29,839,740   $(160,260)

 

The table below shows the proceeds received from sales of securities available for sale and gross realized gains and losses.

 

                       
   For the Year Ended December 31, 
   2021   2020   2019 
Gross proceeds  $15,572,500   $11,550,000   $30,412,250 
Gross realized gains   266,944    10,002    114,888 
Gross realized losses   —    —    (64,181)

 

The tax provision related to these gains was $56,058, $2,100 and $10,648 for the years ended December 31, 2021, 2020 and 2019, respectively.

 

49

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

4.LOANS AND ALLOWANCE FOR LOAN LOSSES

 

Major classifications of loans (net of deferred loan fees of $488,481 at December 31, 2021, and $676,155 at December 31, 2020) are shown in the table below. 

 

   December 31, 2021   December 31, 2020 
Commercial  $45,804,434   $51,041,397 
Commercial real estate:          
Construction   12,054,095    14,813,726 
Other   165,719,078    146,187,886 
Consumer:          
Real estate   71,307,488    71,836,041 
Other   3,768,531    4,480,491 
Paycheck protection program   7,978,603    32,443,132 
    306,632,229    320,802,673 
Allowance for loan losses   (4,376,987)   (4,185,694)
Loans, net  $302,255,242   $316,616,979 

 

We had $94.7 million and $76.0 million of loans pledged as collateral to secure funding with the Federal Reserve Bank (“FRB”) Discount Window at December 31, 2021 and 2020, respectively.

 

On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) was signed into law, which established the Paycheck Protection Program (“PPP”) and allocated $349.0 billion of loans to be issued by financial institutions. Under the program, the Small Business Administration (“SBA”) will forgive loans, in whole or in part, made by approved lenders to eligible borrowers for payroll and other permitted purposes in accordance with the requirements of the program. These loans carry a fixed rate of 1.00% and a term of two years, if not forgiven, in whole or in part. The loans are 100% guaranteed by the SBA and as long as the borrower submits its loan forgiveness application within ten months of completion of the covered period, the borrower is not required to make any payments until the forgiveness amount is remitted to the lender by the SBA. The Bank received a processing fee ranging from 1% to 5% based on the size of the loan from the SBA. The fees are deferred and amortized over the life of the loans in accordance with ASC 310-20. The Bank received processing fees of $2.4 million and recognized $1.3 million and $0.6 million during the years ended December 31, 2021 and 2020, respectively. The Paycheck Protection Program and Health Care Enhancement Act (“PPP/ HCEA Act”) were signed into law on April 24, 2020. The PPP/HCEA Act authorized additional funding under the CARES Act of $310.0 billion for PPP loans to be issued by financial institutions through the SBA. The Bank provided $55.3 million in funding to 480 customers through the PPP as of December 31, 2021. Because these loans are 100% guaranteed by the SBA and did not undergo the Bank’s typical underwriting process, they are not graded and do not have an associated reserve. 

 

Our portfolio grading analysis estimates the capability of the borrower to repay the contractual obligations of the loan agreements as scheduled. Our internal credit risk grading system is based on experience with similarly graded loans, industry best practices, and regulatory guidance. Our portfolio is graded in its entirety, with the exception of the PPP loans.

 

Our internally assigned grades pursuant to the Board-approved lending policy are as follows:

 

●Excellent (1) The borrowing entity has more than adequate cash flow, unquestionable strength, strong earnings and capital, and where applicable, no overdrafts.

 

●Good (2) The borrowing entity has dependable cash flow, better than average financial condition, good capital and usually no overdrafts.

 

●Satisfactory (3) The borrowing entity has adequate cash flow, satisfactory financial condition, and explainable overdrafts (if any).

 

●Watch (4) The borrowing entity has generally adequate, yet inconsistent cash flow, cyclical earnings, weak capital, loan to/from stockholders, and infrequent overdrafts. The borrower has consistent yet sometimes unpredictable sales and growth.

 

●OAEM (5) The borrowing entity has marginal cash flow, occasional past dues, and frequent and unexpected working capital needs.

 

●Substandard (6) The borrowing entity has cash flow barely sufficient to service debt, deteriorated financial condition, and bankruptcy is a possibility. The borrowing entity has declining sales, rising costs, and may need to look for secondary source of repayment.

 

●Doubtful (7) The borrowing entity has negative cash flow. Survival of the business is at risk, full repayment is unlikely, and there are frequent and unexplained overdrafts. The borrowing entity shows declining trends and no operating profits.

 

●Loss (8) The borrowing entity has negative cash flow with no alternatives. Survival of the business is unlikely.

 

50

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS 

 

The following tables illustrate credit risks by category and internally assigned grades at December 31, 2021 and 2020. “Pass” includes loans internally graded as excellent, good and satisfactory.

 

December 31, 2021 
    Commercial   Commerical
Real Estate
Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck
Protection
Program		   Total 
Pass   $43,853,889   $11,616,118   $159,825,281   $69,920,347   $3,565,716   $7,978,603   $296,759,954 
Watch    450,319    437,977    3,082,408    862,938    133,418    —    4,967,060 
OAEM    36,749    —    1,158,268    274,445    29,244    —    1,498,706 
Substandard    1,463,477    —    1,653,121    249,758    40,153    —    3,406,509 
Doubtful    —    —    —    —    —    —    — 
Loss    —    —    —    —    —    —    — 
Total   $45,804,434   $12,054,095   $165,719,078   $71,307,488   $3,768,531   $7,978,603   $306,632,229 

 

December 31, 2020 
    Commercial   Commercial
Real Estate
Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck
Protection
Program		   Total 
Pass   $44,903,134   $14,349,065   $125,111,378   $70,454,909   $4,171,858   $32,443,132   $291,433,476 
Watch    3,415,408    464,661    15,200,992    467,163    219,954    —    19,768,178 
OAEM    1,039,647    —    1,784,296    623,226    46,783    —    3,493,952 
Substandard    1,683,208    —    4,091,220    290,743    41,896    —    6,107,067 
Doubtful    —    —    —    —    —    —    — 
Loss    —    —    —    —    —    —    — 
Total   $51,041,397   $14,813,726   $146,187,886   $71,836,041   $4,480,491   $32,443,132   $320,802,673 

 

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BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

The following tables include an aging analysis of the recorded investment in loans segregated by class.

 

    December 31, 2021  
   30-59 Days
Past Due		   60-89 Days
Past Due		   Greater than
90 Days Past Due		   Total
Past Due		   Current   Total Loans Receivable   Recorded Investment ≥
90 Days and Accruing		 
Commercial  $88,659   $—   $—   $88,659   $45,715,775   $45,804,434   $— 
Commercial Real Estate Construction   —    —    —    —    12,054,095    12,054,095    — 
Commercial Real Estate Other   59,269    288,464    337,490    685,223    165,033,855    165,719,078    — 
Consumer Real Estate   —    —    —    —    71,307,488    71,307,488    — 
Consumer Other   23,971    —    —    23,971    3,744,560    3,768,531    — 
Paycheck Protection Program   —    —    —    —    7,978,603    7,978,603      
Total  $171,899   $288,464   $337,490   $797,853   $305,834,376   $306,632,229   $— 

 

   December 31, 2020 
   30-59 Days
Past Due		   60-89 Days
Past Due		   Greater than 90 Days Past Due   Total
Past Due		   Current   Total Loans Receivable   Recorded Investment ≥
90 Days and Accruing		 
Commercial  $144,999   $27,855   $—   $172,854   $50,868,543   $51,041,397   $— 
Commercial Real Estate Construction   —    —    —    —    14,813,726    14,813,726    — 
Commercial Real Estate Other   61,597    —    923,828    985,425    145,202,461    146,187,886    — 
Consumer Real Estate   —    —    40,893    40,893    71,795,148    71,836,041    — 
Consumer Other   —    —    —    —    4,480,491    4,480,491    — 
Paycheck Protection Program   —    —    —    —    32,443,132    32,443,132      
Total  $206,596   $27,855   $964,721   $1,199,172   $319,603,501   $320,802,673   $— 

 

There were no loans past due 90 days or more and still accruing interest at December 31, 2021 and 2020.

 

52

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

The following table summarizes the balances of non-accrual loans.

 

   Loans Receivable on Non-Accrual  
   December 31, 2021   December 31, 2020 
           
Commercial  $178,975   $178,975 
Commercial Real Estate Construction   —    — 
Commercial Real Estate Other   625,953    923,828 
Consumer Real Estate   —    40,893 
Consumer Other   9,686    12,234 
Paycheck Protection Program   —    — 
Total  $814,614   $1,155,930 

 

The following tables set forth the changes in the allowance and an allocation of the allowance by class at December 31, 2021, 2020, and 2019. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-impaired loans and is based on historical loss experience adjusted for current economic factors.

 

                                                       
   December 31, 2021 
   Commercial   Commercial
Real Estate Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck Protection Program   Total 
Allowance for Loan Losses                                   
Beginning Balance  $1,029,310   $199,266   $1,909,121   $925,077   $122,920   $—   $4,185,694 
Charge-offs   —    —    —    —    (11,440)   (9,550)   (20,990)
Recoveries   21,329    —    —    47,711    22,367    876    92,283 
Provisions   (254,950)   (23,773)   467,185    (48,004)   (29,132)   8,674    120,000 
Ending Balance  $795,689   $175,493   $2,376,306   $924,784   $104,715   $—   $4,376,987 

 

                                                       
   December 31, 2020 
   Commercial   Commercial
Real Estate Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck Protection Program   Total 
Allowance for Loan Losses                                   
Beginning Balance  $1,429,917   $109,235   $1,270,445   $496,221   $697,940   $—   $4,003,758 
Charge-offs   (171,646)   —    —    —    (116,001)   (2,650)   (290,297)
Recoveries   88,811    —    99,801    —    43,599    22    232,233 
Provisions   (317,772)   90,031    538,875    428,856    (502,618)   2,628    240,000 
Ending Balance  $1,029,310   $199,266   $1,909,121   $925,077   $122,920   $—   $4,185,694 

 

53

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 
                                                       
   December 31, 2019 
   Commercial  

Commercial 

Real Estate
Construction

   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck Protection
Program		   Total 
Allowance for Loan Losses                                   
Beginning Balance  $1,665,413   $63,876   $1,292,346   $386,585   $806,111   $—   $4,214,331 
Charge-offs   (398,685)   —    —    —    (8,342)   —    (407,027)
Recoveries   12,200    —    —    —    4,254    —    16,454 
Provisions   150,989    45,359    (21,901)   109,636    (104,083)   —    180,000 
Ending Balance  $1,429,917   $109,235   $1,270,445   $496,221   $697,940   $—   $4,003,758 

 

54

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

The following tables present, by class and reserving methodology, the allocation of the allowance for loan losses and the gross investment in loans.

 

                                                       
   December 31, 2021 
   Commercial   Commercial
Real Estate Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck Protection Program   Total 
Allowance for Loan Losses                                   
Individually evaluated for impairment  $179,988   $—   $—   $—   $40,153   $—   $220,141 
Collectively evaluated for impairment   615,701    175,493    2,376,306    924,784    64,562    —    4,156,846 
Total Allowance for Loan Losses   795,689    175,493    2,376,306    924,784    104,715    —    4,376,987 
Loans Receivable                                   
Individually evaluated for impairment   1,463,477    —    1,653,121    249,758    40,153    —    3,406,509 
Collectively evaluated for impairment   44,340,957    12,054,095    164,065,957    71,057,730    3,728,378    7,978,603    303,225,720 
Total Loans Receivable  $45,804,434   $12,054,095   $165,719,078   $71,307,488   $3,768,531   $7,978,603   $306,632,229 

 

                                                       
   December 31, 2020 
   Commercial   Commercial
Real Estate Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck Protection Program   Total 
Allowance for Loan Losses                                   
Individually evaluated for impairment  $357,657   $—   $36,747   $9,111   $41,896   $—   $445,411 
Collectively evaluated for impairment   671,653    199,266    1,872,374    915,966    81,024    —    3,740,283 
Total Allowance for Loan Losses   1,029,310    199,266    1,909,121    925,077    122,920    —    4,185,694 
Loans Receivable                                   
Individually evaluated for impairment   2,298,120    —    5,174,841    290,743    41,896    —    7,805,600 
Collectively evaluated for impairment   48,743,277    14,813,726    141,013,045    71,545,298    4,438,595    32,443,132    312,997,073 
Total Loans Receivable  $51,041,397   $14,813,726   $146,187,886   $71,836,041   $4,480,491   $32,443,132   $320,802,673 

 

55

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

As of December 31, 2021 and 2020, loans individually evaluated for impairment and the corresponding allowance for loan losses are presented in the following table.

 

   Impaired and Restructured Loans As of 
   December 31, 2021   December 31, 2020 
   Unpaid
Principal
Balance		   Recorded Investment   Related
Allowance		   Unpaid
Principal
Balance		   Recorded Investment   Related
Allowance		 
With no related allowance recorded:                              
Commercial  $1,096,407   $1,096,407   $—   $1,721,818   $1,721,818   $— 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   1,653,121    1,653,121    —    4,831,757    4,831,757    — 
Consumer Real Estate   249,758    249,758    —    249,850    249,850    — 
Consumer Other   —    —    —    —    —    — 
Paycheck Protection Program   —    —    —    —    —    — 
Total   2,999,286    2,999,286    —    6,803,425    6,803,425    — 
                               
With an allowance recorded:                              
Commercial   367,070    367,070    179,988    576,302    576,302    357,657 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   —    —    —    343,084    343,084    36,747 
Consumer Real Estate   —    —    —    40,893    40,893    9,111 
Consumer Other   40,153    40,153    40,153    41,896    41,896    41,896 
Paycheck Protection Program   —    —    —    —    —    — 
Total   407,223    407,223    220,141    1,002,175    1,002,175    445,411 
                               
Total                              
Commercial   1,463,477    1,463,477    179,988    2,298,120    2,298,120    357,657 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   1,653,121    1,653,121    —    5,174,841    5,174,841    36,747 
Consumer Real Estate   249,758    249,758    —    290,743    290,743    9,111 
Consumer Other   40,153    40,153    40,153    41,896    41,896    41,896 
Paycheck Protection Program   —    —    —    —    —    — 
Total  $3,406,509   $3,406,509   $220,141   $7,805,600   $7,805,600   $445,411 

 

56

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

The following table presents average impaired loans and interest income recognized on those impaired loans, by class segment, for the periods indicated.

 

   For the year ended December 31, 
   2021   2020   2019 
   Average
Recorded Investment		   Interest
Income Recognized		   Average
Recorded Investment		   Interest
Income Recognized		   Average
Recorded Investment		   Interest
Income Recognized		 
With no related allowance recorded:                              
Commercial  $1,142,667   $68,602   $1,866,590   $102,636   $1,483,982   $94,779 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   1,645,375    68,031    4,849,474    218,372    1,533,720    76,183 
Consumer Real Estate   249,777    10,615    249,813    11,580    879,753    30,400 
Consumer Other   —    —    —    —    —    — 
Paycheck Protection Program   —    —    —    —    —    — 
Total   3,037,819    147,248    6,965,877    332,588    3,897,455    201,362 
                               
With an allowance recorded:                              
Commercial   378,499    22,130    578,399    37,663    725,353    44,299 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   —    —    337,304    —    246,884    — 
Consumer Real Estate   —    —    36,483    (116)   —    — 
Consumer Other   41,133    2,674    42,089    2,743    59,240    3,487 
Paycheck Protection Program   —    —    —    —    —    — 
Total   419,632    24,804    994,275    40,290    1,031,477    47,786 
                               
Total                              
Commercial   1,521,166    90,732    2,444,989    140,299    2,209,335    139,078 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   1,645,375    68,031    5,186,778    218,372    1,780,604    76,183 
Consumer Real Estate   249,777    10,615    286,296    11,464    879,753    30,400 
Consumer Other   41,133    2,674    42,089    2,743    59,240    3,487 
Paycheck Protection Program   —    —    —    —    —    — 
   $3,457,451   $172,052   $7,960,152   $372,878   $4,928,932   $249,148 

 

57

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

In general, the modification or restructuring of a debt is considered a troubled debt restructuring (“TDR”) if we, for economic or legal reasons related to a borrower’s financial difficulties, grant a concession to the borrower that we would not otherwise consider. As of December 31, 2021, there were 5 TDRs with a balance of $1.0 million. As of December 31, 2020, there were 14 TDRs with a balance of $5.8 million. These TDRs were granted extended payment terms with no principal reduction. The structure of two of the loans changed to interest only. All TDRs were performing as agreed as of December 31, 2021. During the year ended December 31, 2019, one TDR in the amount of $2,008 was charged off and the Company recovered $439. No other TDRs that were modified within the previous twelve months defaulted during the following year for the years ended December 31, 2021, 2020, and 2019.

 

Regulatory agencies, as set forth in the Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus (initially issued on March 22, 2020 and revised on April 7, 2020), have encouraged financial institutions to work prudently with borrowers who are or may be unable to meet their contractual payment obligations because of the effects of COVID-19. In this statement, the regulatory agencies expressed their view of loan modification programs as positive actions that may mitigate adverse effects on borrowers due to COVID-19 and that the agencies will not criticize institutions for working with borrowers in a safe and sound manner. Moreover, the revised statement provides that eligible loan modifications related to COVID-19 may be accounted for under section 4013 of the CARES Act or in accordance with ASC 310-40. Under Section 4013 of the CARES Act, banks may elect not to categorize loan modifications as TDRs if the modifications are related to COVID-19, executed on a loan that was not more than 30 days past due as of December 31, 2019, and executed between March 1, 2020 and the earlier of December 31, 2020 or 60 days after the date of termination of the National Emergency. All short-term loan modifications made on a good faith basis in response to COVID-19 to borrowers who were current prior to any relief are not considered TDRs. Beginning in March 2020, the Bank provided payment accommodations to customers, consisting of 60-day principal deferral to borrowers negatively impacted by COVID-19. During 2020, the Bank processed approximately $0.7 million in principal deferments to 84 customers, with an aggregate loan balance of $25.9 million. The Bank did not process any principal deferments during the year ended December 31, 2021. The principal deferments represented 0.24% of our total loan portfolio as of December 31, 2020. The Bank has examined the payment accommodations granted to borrowers in response to COVID-19 and classified 9 loans, with an aggregate loan balance of $4.0 million, that were granted payment accommodations as TDRs given the continued financial difficulty of the customer, associated industry risk, and multiple deferral requests. All other borrowers were current prior to relief, were not experiencing financial difficulty prior to COVID-19, and the Bank determined they were not considered TDRs. As of December 31, 2021, 4 of the TDRs were removed from TDR status due to improvement in financial condition and sustained performance under the restructured terms, 2 TDRs were paid off through refinancing into new loans at market terms, and 1 TDR was paid off. Two loans with a balance of $0.5 million remain in TDR status as of December 31, 2021. Additionally, of the 75 customers that received payment accommodations that were not classified as TDRs, 41 customers, with an aggregate loan balance of $9.9 million, have paid their loan in full as of December 31, 2021. The remaining loans are paying as agreed as of December 31, 2021. There are no loans that received payment accommodation past due greater than 30 days. The Bank will continue to examine payment accommodations as requested by borrowers.

 

 

5.CONCENTRATIONS OF CREDIT RISK

 

We grant short to intermediate term commercial and consumer loans to customers throughout our primary market area of Charleston, Berkeley and Dorchester counties of South Carolina. Our primary market area is heavily dependent on tourism, medical, and legal services. Although we have a diversified loan portfolio, a substantial portion of our debtors’ ability to honor their contracts is dependent upon the stability of the economic environment in their primary market. The majority of the loan portfolio is located in our immediate market area with a concentration in real estate related activities.

 

Our loans were concentrated in the following categories.

 

   December 31, 2021   December 31, 2020 
Commercial   14.94%   15.91%
Commercial Real Estate Construction   3.93%   4.62%
Commercial Real Estate Other   54.04%   45.57%
Consumer Real Estate   23.26%   22.39%
Consumer Other   1.23%   1.40%
Paycheck Protection Program   2.60%   10.11%
Total   100.00%   100.00%

 

 

58

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

6.PREMISES, EQUIPMENT AND LEASEHOLD IMPROVEMENTS

 

Premises, equipment and leasehold improvements are summarized in the table below.

 

   December 31, 
   2021   2020 
Bank buildings  $1,861,237   $1,861,237 
Land   838,075    838,075 
Leasehold purchases   30,000    30,000 
Leasehold improvements   2,595,825    2,589,195 
Construction in progress   31,654    24,307 
Equipment   4,241,305    4,113,013 
    9,598,096    9,455,827 
Accumulated depreciation   (5,815,160)   (5,402,294)
Total  $3,782,936   $4,053,533 

 

Depreciation on our bank premises and equipment charged to operating expense totaled $412,866, $421,040, and $230,377, during the year ended December 31, 2021, 2020, and 2019, respectively.

 

 

7.LEASES

 

As of December 31, 2021 and 2020, the Company had operating right of use (“ROU”) assets of $14.0 million and $12.7 million, respectively, and operating lease liabilities of $14.0 million and $12.7 million, respectively. The Company maintains operating leases on land, branch facilities, and parking. Operating leases generally contain initial fixed payment terms that adjust in future years based on the consumer price index or similar measure. Most of the leases include one or more options to renew, with renewal terms extending up to 20 years. Leases with an initial term of 12 months or less are not recorded on the balance sheet and are recognized in lease expense.

 

As of December 31, 2021, the weighted average remaining lease term is 16.56 years and the weighted average incremental borrowing rate is 4.08%.

 

59

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

The exercise of renewal options is based on the sole judgement of management and what they consider to be reasonably certain. Based on the market areas, past practices, and contract terms of all leases, the Bank assumed all renewal options will be exercised. Minimum rental commitments for these leases as of December 31, 2021 are presented in the table below.

 

       
2022   $1,175,080 
2023    1,175,080 
2024    1,175,080 
2025    1,175,080 
2026 and thereafter    13,403,850 
Total undisclosed lease payments   $18,104,170 
Less: effect of discounting    (4,062,327)
Present value of estimated lease payments   $14,041,843 

 

The table below shows lease expense components for the year ended December 31, 2021 and 2020.

 

               
   December 31, 
Lease Expense Components:  2021   2020 
Operating lease expense  $1,139,393   $972,815 
Short-term lease expense   —    — 
Total lease expense  $1,139,393   $972,815 

 

Total rental expense was $1,139,393, $972,815 and $623,998, a during the year ended December 31, 2021, 2020 and 2019, respectively.

 

As of December 31, 2021, we did not maintain any finance leases and we determined that the number and dollar amount of equipment leases was immaterial. As of December 31, 2021, we have no additional operating leases that have not yet commenced.

 

We rented office space at 1071 Morrison Drive, Charleston, South Carolina, from a related party, to house our Mortgage Department during the year ended December 31, 2019. Rent expense for this lease was $46,538 for the year ended December 31, 2019. This lease ended in September 2019. 

 

 

8.DEPOSITS

 

As of December 31, 2021 and 2020, certificates of deposit of $250,000 or more totaled approximately $7,417,864 and $4,493,189, respectively.

 

The scheduled maturities of certificates of deposit as of December 31, 2021 are presented in the table below:

 

          
2022      $19,313,002 
2023       974,891 
2024       161,337 
2025       51,945 
2026   and thereafter   787,045 
       $21,288,220 

 

As of December 31, 2021 and 2020, deposits with a deficit balance of $28,549 and $100,304, respectively, were re-classified as other loans.

 

60

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

9.SHORT-TERM BORROWINGS

 

At December 31, 2021 and 2020, we had no outstanding federal funds purchased. We have a Borrower-In-Custody arrangement with the Federal Reserve. This arrangement permits the Company to retain possession of loans pledged as collateral to secure advances from the Federal Reserve Discount Window. Under this agreement, we may borrow up to $72.1 million as of December 31, 2021. We established this arrangement as an additional source of liquidity. There have been no borrowings under this arrangement.

 

At December 31, 2021 and 2020, the Bank had unused short-term lines of credit totaling approximately $41.0 million and $23.0 million, respectively (which are withdrawable at the lender’s option).

 

61

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

10.INCOME TAXES

 

Total income taxes for the years ended December 31, 2021, 2020 and 2019 are presented in the table below.

 

                       
   For the year ended December 31, 
   2021   2020   2019 
Income tax expense  $2,071,503   $1,965,679   $2,175,274 
Unrealized gains (losses) on securities available for sale presented in accumulated other comprehensive income (loss)   (1,010,881)   315,546    (600,765)
Total  $1,060,622   $2,281,225   $1,574,509 

 

Income tax expense was as follows:

 

                       
   For the year ended December 31, 
   2021   2020   2019 
Current income taxes               
Federal  $1,796,283   $1,543,334   $1,742,430 
State   321,971    —    — 
Total current tax expense   2,118,254    1,543,334    1,742,430 
Deferred income tax (benefit) expense   (46,751)   422,345    432,844 
Total income tax expense  $2,071,503   $1,965,679   $2,175,274 

 

62

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

The differences between actual income tax expense and the amounts computed by applying the U.S. federal income tax rate of 21% to pretax income from continuing operations for the periods indicated are reconciled in the table below.

 

                       
   For the year ended December 31, 
   2021   2020   2019 
             
Computed “expected” tax expense  $1,851,433   $1,769,525   $1,993,679 
Increase (reduction) in income taxes resulting from:               
Amortization of credit and gain   —    —    1,685 
Stock based compensation   21,637    19,527    16,391 
Valuation allowance   7,658    8,083    7,123 
Other   7,477    7,259    6,233 
State income tax, net of federal benefit   248,887    238,729    268,000 
Tax exempt interest income   (65,589)   (77,444)   (117,837)
Total income tax expense  $2,071,503   $1,965,679   $2,175,274 

 

63

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020 are presented below.

 

  

 

  

 

 
    December 31, 
  

2021

  

2020

 
Deferred tax assets:          
Allowance for loan losses  $905,365   $849,159 
State credit carryforward   —   5,762 
Deferred loan fees   102,581    141,993 
Passthrough income   26,525    26,525 
State net operating loss carryforward   97,655    89,997 
Nonaccrual interest   29,246    30,528 
Other   9,432    9,432 
Total gross deferred tax assets   1,170,804    1,153,396 
Valuation allowance   (97,655)   (89,997)
Total gross deferred tax assets, net of valuation allowance   1,073,149    1,063,399 
           
Deferred tax liabilities:          
Fixed assets, principally due to differences in depreciation   (338,716)   (382,668)
Unrealized (gain) loss on securities available for sale   (1,360,199)   (443,889)
State credit carryforward   (5,672)   — 
Prepaid expenses   (29,869)   (21,633)
Other   (58,619)   (57,918)
Total deferred tax liabilities   (1,793,075)   (906,108)
           
Net deferred tax (liability) asset  $(719,926)  $157,291 

 

There was a $97,655 and $89,997 valuation allowance for deferred tax assets at December 31, 2021 and 2020, respectively, associated with the Company’s state tax credits. In assessing the realization of deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred income tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible and prior to their expiration governed by the income tax code. Management considers the scheduled reversal of deferred tax liabilities, projected future taxable income, and tax planning strategies in making this assessment. Based upon the level of historical taxable income and projections for future taxable income over the periods during which the deferred income tax assets are expected to be deductible, management believes it is more likely than not the Company will realize the benefits of these deductible differences, net of the existing valuation allowance at December 31, 2021 and 2020. The amount of the deferred income tax asset considered realizable, however, could be reduced in the near term if estimates of future taxable income during the carry forward period are reduced.

 

The Company measures deferred tax assets and liabilities using enacted tax rates that will apply in the years in which the temporary differences are expected to be recovered or paid.

 

The Company has analyzed the tax positions taken or expected to be taken in its tax returns and concluded it has no liability related to uncertain tax positions in accordance with applicable regulations.

 

Tax returns for 2018 and subsequent years are subject to examination by taxing authorities.

 

 

11.COMMITMENTS AND CONTINGENCIES

 

We are a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of our customers. These financial instruments include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit, interest rate, and liquidity risk. Our exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is essentially the same as that involved in extending loan facilities to customers. We use the same credit policies in making commitments and conditional obligations as we do for on-balance sheet instruments.

 

64

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. If deemed necessary, the amount of collateral obtained upon extension of credit is based on our credit evaluation of the borrower. Collateral held varies, but may include accounts receivable, negotiable instruments, inventory, property, plant and equipment, and real estate. Commitments to extend credit, including unused lines of credit, amounted to $117,450,893 and $122,755,761 at December 31, 2021 and 2020, respectively.

 

Standby letters of credit represent our obligation to a third-party contingent upon the failure by our customer to perform under the terms of an underlying contract with the third party or obligates us to guarantee or stand as surety for the benefit of the third party. The underlying contract may entail either financial or nonfinancial obligations and may involve such things as the shipment of goods, performance of a contract, or repayment of an obligation. Under the terms of a standby letter, generally drafts will be drawn only when the underlying event fails to occur as intended. We can seek recovery of the amounts paid from the borrower. Commitments under standby letters of credit are usually for one year or less. At December 31, 2021 and 2020, we have recorded no liability for the current carrying amount of the obligation to perform as a guarantor; as such amounts are not considered material. The maximum potential amount of undiscounted future payments related to standby letters of credit at December 31, 2021 and 2020 was $648,717 and $845,811, respectively.

 

 

12.RELATED PARTY TRANSACTIONS

 

In the opinion of management, loans to our Executive Officers and Directors are made on substantially the same terms, including interest rates and collateral, as those terms prevailing at the time for comparable loans with persons not related to the lender that do not involve more than the normal risk of collectability. There were no past due loans to our Executive Officers and Directors as of December 31, 2021 and 2020.

 

The table below summarizes related party loans.

 

   December 31, 2021   December 31, 2020 
Balance at beginning of the year  $5,970,014   $2,651,907 
New loans or advances   3,693,836    5,244,062 
Repayments   (4,150,704)   (1,925,955)
Balance at the end of the year  $5,513,146   $5,970,014 

 

At December 31, 2021 and 2020, total deposits held by related parties were $11,405,076 and $5,681,634, respectively.

 

The Company also leased office space from a related party during the year ended December 31, 2019 as discussed in Note 7. Leases.

 

 

13.OTHER EXPENSE

 

The table below summarizes the components of other operating expense.

 

                       
   For the year ended December 31, 
   2021   2020   2019 
Telephone and postage  $ 233,667   $ 219,065   $ 182,801 
State and FDIC insurance and fees   212,284    95,353    113,117 
Supplies   63,850    74,472    103,796 
Courier service   44,825    48,048    49,200 
Insurance   56,748    53,000    43,097 
Advertising and business development   8,114    9,045    16,059 
Amortization of federal tax credit   —    —    8,022 
Other   805,966    746,502    740,948 
Total other operating expenses  $1,425,454   $1,245,485   $1,257,040 

 

 

65

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

14.STOCK INCENTIVE PLANS

 

We have two employee Stock Incentive Plans: the first plan, which was approved in 2010, has 300,000 (363,000 adjusted for two 10% stock dividends) shares reserved and the second plan, which was approved in 2020, has 300,000 shares reserved. No new options may be granted under the 2010 plan, as it expired on April 14, 2020. Under the 2020 plan, options are periodically granted to employees at a price not less than the fair market value of the shares at the date of grant. Employees become 20% vested after five years and then vest 20% each year until fully vested. The right to exercise each such 20% of the options is cumulative and will not expire until the tenth anniversary of the date of the grant. All employees are eligible to participate in the 2020 plan if the Executive/Long-Range Committee, in its sole discretion, determines that such person has contributed or can be expected to contribute to our profits or growth. With respect to Executive Officers, the Executive/ Long-Range Planning Committee will obtain approval from the Compensation Committee for any options granted to them.

 

We also have a stock incentive plan to provide equity incentive compensation to the Company's eligible independent directors. The plan was approved by the shareholders in 2021 and has 150,000 shares reserved. Under the 2021 plan, options may be granted to eligible independent directors at a price not less than the fair market value of the shares at the date of grant. Options granted to independent directors become vested as to 20% of the options per year and will be fully vested after five years. The right to exercise each such 20% of the options is cumulative and will not expire until the tenth anniversary of the date of the grant. Each independent director is eligible to participate in the 2021 plan if the Compensation Committee, in its sole discretion, determines that such person has contributed or can be expected to contribute to our profits or growth. During 2021, the Compensation Committee granted each of its 14 independent directors options to purchase 5,000 shares of the Company’s common stock at an exercise price of $21.10 per share. 

 

Option awards are generally granted with an exercise price equal to the market price of the Company’s common stock at the date of grant. The fair value of each option award is estimated on the date of grant using a closed form option valuation (Black-Scholes) model that uses the assumptions noted in the table below. Expected volatilities are based on historical volatilities of our common stock. The expected term of the options granted shall not exceed ten years from the date of grant (the amount of time options granted are expected to be outstanding). The risk-free interest rate for the expected term of the option is based on the U.S. Treasury yield curve in effect at the time of the grant.

 

The fair value of options granted was determined using the following weighted-average assumptions as of grant date:

 

                   
   2021   2020   2019 
Risk free interest rate   1.46%   0.63%   2.01%
Expected life (in years)   5.99    7.50    7.50 
Expected stock price volatility   34.18%   32.90%   33.13%
Dividend yield   4.00%   4.26%   4.28%

 

The following table presents a summary of the activity under the 2010, 2020 and 2021 Stock Incentive Plans for the years ended December 31:

 

                                           
   2021   2020   2019 
   Shares   Weighted
Average
Exercise
Price		   Shares   Weighted
Average
Exercise
Price		   Shares   Weighted
Average
Exercise
Price		 
Outstanding, January 1   202,344   $14.89    86,097   $12.92    102,760   $11.86 
Granted   115,750    20.15    145,750    15.31    6,250    18.92 
Exercised   (22,305)   10.64    (19,298)   9.39    (22,163)   8.81 
Forfeited   (22,042)   15.07    (10,205)   15.19    (750)   18.92 
Outstanding, December 31   273,747   $17.50    202,344   $14.89    86,097   $12.92 
Exercisable at year end   7,804   $12.17    21,113   $9.77    27,459   $9.03 

 

66

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

The following table presents information pertaining to options outstanding at December 31, 2021. 

 

Exercise Price   Number of
Options
Outstanding		   Weighted
Average
Remaining
Contractual
Life		   Weighted
Average
Exercise
Price
of Options
Outstanding		   Intrinsic
Value of
Options
Outstanding		   Number of
Options
Exercisable		   Weighted
Average
Exercise
Price of
Options
Exercisable		   Intrinsic
Value of
Options
Exercisable		 
$9.18    1,149    0.50   $9.18   $10,548    1,149   $9.18   $12,409 
$12.26    3,992    2.58   $12.26   $48,942    2,395   $12.26   $18,490 
$12.40    969    2.00   $12.40   $12,016    775   $12.40   $5,876 
$13.05    8,712    3.33   $13.05   $113,692    3,485   $13.05   $24,148 
$15.21    116,250    8.33   $15.21   $1,768,163    —     $15.21   $—   
$16.73    10,000    8.33   $16.73   $167,300    —     $16.73   $—   
$18.23    32,450    6.25   $18.23   $591,564    —     $18.23   $—   
$19.00    2,750    8.33   $19.00   $52,250    —     $19.00   $—   
$19.82    7,225    8.33   $19.82   $143,200    —     $19.82   $—   
$20.04    20,250    9.59   $20.04   $405,810    —     $20.04   $—   
$21.10    70,000    9.33   $21.10   $1,477,000    —     $21.10   $—   
      273,747    8.13   $17.50   $4,790,485    7,804   $12.17   $60,923 

 

67

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

The total intrinsic value of options exercised during the years ended December 31, 2021, 2020, and 2019 was $208,259, $139,837 and $218,116, respectively. Shares issued upon exercise of stock options are obtained from the authorized and unissued pool of common stock. Shares surrendered as payment of the stock option exercise price are included in treasury stock.

 

We recognized compensation cost for the years ended December 31, 2021, 2020 and 2019 in the amount of $103,033, $92,986 and $78,053, respectively, related to the granted options.

 

As of December 31, 2021, there was a total of $638,443 in unrecognized compensation cost related to nonvested share-based compensation arrangements granted under the Plan. The cost is expected to be recognized over a weighted average period of 5.26 years.

 

68

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

15. EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST

 

We established an Employee Stock Ownership Plan (“ESOP”) effective January 1, 1989. Any employee of the Bank is eligible to become a participant in the ESOP upon reaching 21 years of age and credited with one-year of service (1,000 hours of service). The employee may enter the Plan on the January 1st that occurs nearest the date on which the employee first satisfies the age and service requirements described above. No contributions by employees are permitted. The amount and time of contributions are at the sole discretion of the Board of Directors of the Bank. The contribution for all participants is based solely on each participant’s respective regular or base salary and wages paid by the Bank including commissions, bonuses and overtime, if any.

 

The Company recognizes expense when the contribution is approved by the Board of Directors. The total expenses amounted to $540,000, $540,000 and $510,000, during the years ended December 31, 2021, 2020 and 2019, respectively. As of December 31, 2021, the plan owned 361,565 shares of common stock of the Company.

 

A participant vests in the ESOP based upon the participant’s credited years of service. The vesting schedule is as follows:

 

  ● 1 Year of Service  0% Vested
  ● 2 Years of Service  25% Vested
  ● 3 Years of Service  50% Vested
  ● 4 Years of Service  75% Vested
  ● 5 Years of Service 100% Vested

 

Periodically, the Internal Revenue Service “IRS” requires a restatement of a qualified retirement plan to ensure that the plan document includes provisions required by legislative and regulatory changes made since the last restatement. There have been no substantive changes to the plan. The Board of Directors approved a restated plan, on January 26, 2012 (incorporated as Exhibit 10.5 in the 2011 10-K). The Plan was submitted to the IRS for approval and a determination letter was issued September 26, 2013, stating that the plan satisfies the requirements of Code Section 4975(e)(7). On January 26, 2017, the Board of Directors approved a restated plan (incorporated as Exhibit 10.6 in the 2016 10-K). The Plan was submitted to the IRS for approval and a determination letter was issued November 17, 2017, stating that the plan satisfies the requirements of Code Section 4975(e)(7).

 

 

16. DIVIDENDS

 

The Bank’s ability to pay dividends to the Company is restricted by the laws and regulations of the State of South Carolina. Generally, these restrictions allow the Bank to pay dividends from current earnings without the prior written consent of the South Carolina Commissioner of Banking, if it received a satisfactory rating at its most recent examination. Cash dividends when declared, are paid by the Bank to the Company for distribution to shareholders of the Company. The Bank paid dividends of $3.8 million, $4.7 million and $4.2 million, to the Company during the years ended December 31, 2021, 2020 and 2019, respectively.

 

 

17. INCOME PER COMMON SHARE

 

The following table is a summary of the reconciliation of weighted average shares outstanding for the years ended December 31:

 

                   
   2021   2020   2019 
Net income  $6,744,865   $6,460,631   $7,318,433 
                
Weighted average shares outstanding   5,531,518    5,526,948    5,522,025 
Effect of dilutive shares   148,964    151,595    66,065 
Weighted average shares outstanding - diluted   5,680,482    5,678,543    5,588,090 
                
Earnings per share - basic  $1.22   $1.17   $1.33 
Earnings per share - diluted  $1.19   $1.14   $1.31 

 

 

69

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

18. REGULATORY CAPITAL REQUIREMENTS

 

The Company and the Bank are subject to various capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company and the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgements by the regulators about components, risk weightings, and other factors.

 

On July 2, 2013, the Federal Reserve Board approved the final rules implementing the Basel Committee on Banking Supervision’s (“BCBS”) capital guidelines for U.S. banks (“Basel III”). Following the actions by the Federal Reserve, the FDIC also approved regulatory capital requirements on July 9, 2013. The FDIC’s rule is identical in substance to the final rules issued by the Federal Reserve Bank.

 

Basel III became effective on January 1, 2015 and its purpose is to improve the quality and increase the quantity of capital for all banking organizations. The minimum requirements for the quantity and quality of capital were increased. The rule includes a new common equity Tier 1 capital (as defined in the regulation) to risk-weighted assets ratio of 4.50% and a common equity Tier 1 capital conservation buffer of 2.50% of risk-weighted assets. The rule also raises the minimum ratio of Tier 1 capital to risk-weighted assets from 4.00% to 6.00% and requires a minimum leverage ratio of 4.00%. In addition, the rule also implements strict eligibility criteria for regulatory capital instruments and improves the methodology for calculating risk-weighted assets to enhance risk sensitivity. All final rule requirements will be phased in over a multi-year schedule.

 

70

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

On November 4, 2019, the federal banking agencies jointly issued a final rule on an optional, simplified measure of capital adequacy for qualifying community banking organizations called the community bank leverage ratio (“CBLR”) framework effective on January 1, 2020. A qualifying community banking organization is defined as having less than $10 billion in total consolidated assets, a leverage ratio greater than 9%, off-balance sheet exposures of 25% or less of total consolidated assets, and trading assets and liabilities of 5% or less of total consolidated assets. Additionally, the qualifying community banking institution must be a non-advanced approaches FDIC supervised institution. The final rule adopts Tier 1 capital and existing leverage ratio into the CBLR framework. The Bank adopted this rule as of September 30, 2020 and is no longer subject to other capital and leverage requirements. Under the CBLR framework, a qualifying community banking organization is deemed to have met the “well capitalized” ratio requirements and be in appliance with the generally applicable capital rule.

 

The following table presents the actual CBLR for the Bank and Company at:

 

    December 31, 2021   December 31, 2020 
Bank    8.66%   10.19%
Company    9.30%   10.72%

 

We believe that the Company and the Bank meet all capital adequacy requirements to which they were subject at December 31, 2021 and 2020.

 

 

19. DISCLOSURES REGARDING FAIR VALUE OF FINANCIAL INSTRUMENTS

 

 

Fair value measurements apply whenever GAAP requires or permits assets or liabilities to be measured at fair value either on a recurring or nonrecurring basis. Fair value is the price that would be received to sell an asset or paid to transfer a liability in the principal or most advantageous market in an orderly transaction between market participants at the measurement date. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets or liabilities; it is not a forced transaction. GAAP establishes a hierarchy for inputs used in measuring fair value that maximizes the use of observable inputs and minimizes the use of unobservable inputs. Observable inputs, which are developed based on market data we have obtained from independent sources, are ones that market participants would use in pricing an asset or liability. Unobservable inputs, which are developed based on the best information available in the circumstances, reflect our estimate of assumptions that market participants would use in pricing an asset or liability.

   
  The fair value hierarchy gives the highest priority to unadjusted quoted market prices in active markets for identical assets or liabilities (Level 1 measurement) and the lowest priority to unobservable inputs (Level 3 measurement). The fair value hierarchy is broken down into three levels based on the reliability of inputs as follows:

 

  ● Level 1: valuation is based upon unadjusted quoted market prices for identical instruments traded in active markets.
  ● Level 2: valuation is based upon quoted market prices for similar instruments traded in active markets, quoted market prices for identical or similar instruments traded in markets that are not active and model-based valuation techniques for which all significant assumptions are observable in the market or can be corroborated by market data.
  ● Level 3: valuation is derived from other valuation methodologies, including discounted cash flow models and similar techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in determining fair value.

 

  Fair value estimates are made at a specific point of time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale our entire holdings of a particular financial instrument. Because no active market exists for a significant portion of our financial instruments, fair value estimates are based on judgements regarding future expected loss experience, current economic conditions, current interest rates and prepayment trends, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgement and therefore cannot be determined with precision. Changes in any of these assumptions used in calculating fair value would also significantly affect the estimates. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of these estimates.
   
  The following paragraphs describe the valuation methodologies used for assets recorded at fair value on a recurring basis:
   
  Investment Securities Available for Sale
  Investment securities are recorded at fair value on a recurring basis and are based upon quoted prices if available. If quoted prices are not available, fair value is measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange such as the New York Stock Exchange, or by dealers or brokers in active over-the counter markets. Level 2 securities include mortgage-backed securities issued by government sponsored entities, municipal bonds and corporate debt securities. Securities classified as Level 3 include asset-backed and municipal securities in less liquid markets.

 

71

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 
  Derivative Instruments
   
 

Derivative instruments include interest rate lock commitments and forward sale commitments. These instruments are valued based on the change in the value of the underlying loan between the commitment date and the end of the period. We classify these instruments as Level 3.

 

We had no embedded derivative instruments requiring separate accounting treatment. We had freestanding derivative instruments consisting of fixed rate conforming loan commitments with interest rate locks and commitments to sell fixed rate conforming loans on a best-efforts basis. We do not currently engage in hedging activities. Based on the short-term nature of mortgage loans to be sold (derivative contract), our derivative instruments were immaterial to our consolidated financial statements as of December 31, 2021 and 2020.

 

The following table presents information about assets measured at fair value on a recurring basis as of December 31, 2021 and 2020.

 

   Balance as of December 31, 2021 
   Level 1   Level 2   Level 3   Total 
U.S. Treasury Notes  $100,062,300   $—   $—   $100,062,300 
Government-Sponsored Enterprises   —    74,721,009    —    74,721,009 
Municipal Securities   —    13,080,133    24,484,047    37,564,180 
Total  $100,062,300   $87,801,142   $24,484,047   $212,347,489 
                     
   Balance as of December 31, 2020 
    Level 1    Level 2    Level 3    Total  
U.S. Treasury Notes  $20,410,550   $—   $—   $20,410,550 
Government-Sponsored Enterprises   —    97,852,806    —    97,852,806 
Municipal Securities   —    10,872,532    5,683,930    16,556,462 
Total  $20,410,550   $108,725,338   $5,683,930   $134,819,818 

 

There were no liabilities recorded at fair value on a recurring basis as of December 31, 2021 or 2020.

 

The following table reconciles the changes in assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2021 and 2020.

 

         
   December 31, 
   2021   2020 
Beginning balance  $5,683,930   $11,954,451 
Total realized/unrealized gains (losses)          
Included in earnings   —    — 
Included in other comprehensive (loss) income   (79,883)   110,479 
Purchases, issuances, and settlements net of maturities   18,880,000    (6,381,000)
Transfers in and/or out of Level 3   —    — 
Ending balance  $24,484,047   $5,683,930 

 

There were no transfers between fair value levels during the years ended December 31, 2021 or 2020.

 

The following paragraphs describe the valuation methodologies used for assets recorded at fair value on a nonrecurring basis:

 

Impaired Loans

 

Impaired loans are carried at the lower of recorded investment or fair value. The fair value of the collateral less estimated costs to sell is the most frequently used method. Typically, we review the most recent appraisal and, if it is over 12 to 18 months old, we may request a new third party appraisal. Depending on the particular circumstances surrounding the loan, including the location of the collateral, the date of the most recent appraisal and the value of the collateral relative to the recorded investment in the loan, we may order an independent appraisal immediately or, in some instances, may elect to perform an internal analysis. Specifically, as an example, in situations where the collateral on a nonperforming commercial real estate loan is out of our primary market area, we would typically order an independent appraisal immediately, at the earlier of the date the loan becomes nonperforming or immediately following the determination that the loan is impaired.

 

72

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

However, as a second example, on a nonperforming commercial real estate loan where we are familiar with the property and surrounding areas and where the original appraisal value far exceeds the recorded investment in the loan, we may perform an internal analysis whereby the previous appraisal value would be reviewed considering recent current conditions, and known recent sales or listings of similar properties in the area, and any other relevant economic trends. This analysis may result in the call for a new appraisal. These valuations are reviewed and updated on a quarterly basis.

 

In accordance with ASC 820, Fair Value Measurement, impaired loans, where an allowance is established based on the fair value of collateral, require classification in the fair value hierarchy. These impaired loans are classified as Level 3. Impaired loans measured using discounted future cash flows are not deemed to be measured at fair value.

 

Mortgage Loans to be Sold

 

Mortgage loans to be sold are carried at the lower of cost or market value. The fair values of mortgage loans to be sold are based on current market rates from investors within the secondary market for loans with similar characteristics. Carrying value approximates fair value. These loans are classified as Level 2.

 

Certain assets and liabilities are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). The following tables present information about certain assets measured at fair value on a nonrecurring basis as of December 31, 2021 and 2020.

 

   December 31, 2021 
   Level 1   Level 2   Level 3   Total 
Impaired loans  $—   $—   $1,902,879   $1,902,879 
Mortgage loans to be sold   —    2,774,388    —    2,774,388 
Total  $—   $2,774,388   $1,902,879   $4,677,267 

 

   December 31, 2020 
   Level 1   Level 2   Level 3   Total 
Impaired loans  $—   $—   $5,419,726   $5,419,726 
Mortgage loans to be sold   —    12,965,733    —    12,965,733 
Total  $—   $12,965,733   $5,419,726   $18,385,459 

 

There were no liabilities measured at fair value on a nonrecurring basis as of December 31, 2021 or 2020.

 

The following table provides information describing the unobservable inputs used in Level 3 fair value measurements at December 31, 2021:

 

    Inputs
    Valuation
Technique		  

Unobservable

Input

   General Range
of Inputs
Impaired Loans   Appraisal Value/Comparison Sales/Other Estimates   Appraisals and/or Sales of Comparable Properties   Appraisals Discounted 10% to 20% for Sales Commissions and Other Holding Costs

 

73

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

Accounting standards require disclosure of fair value information for all of our assets and liabilities that are considered financial instruments, whether or not recognized on the balance sheet, for which it is practicable to estimate fair value.

 

Under the accounting standard, fair value estimates are based on existing financial instruments without attempting to estimate the value of anticipated future business and the value of the assets and liabilities that are not financial instruments. Accordingly, the aggregate fair value amounts of existing financial instruments do not represent the underlying value of those instruments on our books.

 

The following paragraphs describe the methods and assumptions we use in estimating the fair values of financial instruments:

 

a. Cash and due from banks, interest-bearing deposits at the Federal Reserve Bank

The carrying value approximates fair value. All instruments mature within 90 days and do not present unanticipated credit concerns.

 

b. Investment securities available for sale 

Investment securities available for sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions.

 

c. Loans 

The fair value of the Company’s loan portfolio includes a credit risk assumption in the determination of the fair value of its loans. This credit risk assumption is intended to approximate the fair value that a market participant would realize in a hypothetical orderly transaction. The Company’s loan portfolio is initially fair valued using a segmented approach. The Company divides its loan portfolio into the following categories: variable rate loans, impaired loans and all other loans. The results are then adjusted to account for credit risk as described above. However, under the new guidance, the Company believes a further credit risk discount must be applied through the use of a discounted cash flow model to compensate for illiquidity risk, based on certain assumptions included within the discounted cash flow model, primarily the use of discount rates that better capture inherent credit risk over the lifetime of a loan. Additionally, in accordance with ASU 2016-01, Recognition and Measurement of Financial Assets and Liabilities, this consideration of enhanced credit risk provides an estimated exit price for the Company’s loan portfolio.

 

For variable-rate loans that reprice frequently and have no significant change in credit risk, fair values approximate carrying values. Fair values for impaired loans are estimated using discounted cash flow models or based on the fair value of the underlying collateral.

 

d. Deposits 

The estimated fair value of deposits with no stated maturity is equal to the carrying amount. The fair value of time deposits is estimated by discounting contractual cash flows, using interest rates currently being offered on the deposit products. The fair value estimates for deposits do not include the benefit that results from the low-cost funding provided by the deposit liabilities as compared to the cost of alternative forms of funding (deposit base intangibles).

 

e. Accrued interest receivable and payable 

Since these financial instruments will typically be received or paid within three months, the carrying amounts of such instruments are deemed a reasonable estimate of fair value.

 

f. Loan commitments 

Estimates of the fair value of these off-balance sheet items are not made because of the short-term nature of these arrangements and the credit standing on the counterparties.

 

The following tables present the carrying amount, fair value, and placement in the fair value hierarchy of our financial instruments as of December 31, 2021 and 2020, respectively.

 

   Fair Value Measurements at December 31, 2021 
   Carrying
Amount		   Estimated
Fair Value		   Level 1   Level 2   Level 3 
Financial Assets:                         
Cash and due from banks  $11,140,559   $11,140,559   $11,140,559   $—   $— 
Interest-bearing deposits at the Federal Reserve   128,971,429    128,971,429    128,971,429    —    — 
Investment securities available for sale   212,347,489    212,347,489    100,062,300    87,801,142    24,484,047 
Mortgage loans to be sold   2,774,388    2,774,388    —    2,774,388    — 
Loans, net   302,255,242    293,731,997    —    —    293,731,997 
Accrued interest receivable   1,404,227    1,404,227    —    1,404,227      
Financial Liabilities:                         
Demand deposits   587,903,356    587,903,356    —    587,903,356    — 
Time deposits   21,288,220    21,428,310    —    21,428,310    — 
Accrued interest payable   14,914    14,914    —    14,914    — 

74

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

   Fair Value Measurements at December 31, 2020 
   Carrying
Amount		   Estimated
Fair Value		   Level 1   Level 2   Level 3 
Financial Assets:                         
Cash and due from banks  $5,977,896   $5,977,896   $5,977,896   $—   $— 
Interest-bearing deposits at the Federal Reserve   42,348,085    42,348,085    42,348,085    —    — 
Investment securities available for sale   134,819,818    134,819,818    20,410,550    108,725,338    5,683,930 
Mortgage loans to be sold   12,965,733    12,965,733    —    12,965,733    — 
Loans, net   316,616,979    308,721,680    —    —    308,721,680 
Accrued interest receivable   1,595,629    1,595,629    —    1,595,629      
Financial Liabilities:                         
Demand deposits   441,498,500    441,498,500    —    441,498,500    — 
Time deposits   20,699,131    20,294,852    —    20,294,852    — 
Accrued interest payable   20,707    20,707    —    20,707    — 

 

 

 

20. BANK OF SOUTH CAROLINA CORPORATION - PARENT COMPANY
   
 

The Company’s principal source of income is dividends from the Bank. Certain regulatory requirements restrict the amount of dividends which the Bank can pay to the Company. The Company’s principal asset is its investment in its Bank subsidiary. The Company’s condensed statements of financial condition as of December 31, 2021 and 2020, and the related condensed statements of income and cash flows for the years ended December 31, 2021, 2020 and 2019, are as follows:

 

Condensed Statements of Financial Condition

 

           
     December 31  
   2021   2020 
Assets          
Cash  $1,233,354   $1,723,556 
Investment in wholly-owned bank subsidiary   53,327,296    53,934,084 
Other assets   298,998    261,196 
Total assets  $54,859,648   $55,918,836 
           
Liabilities and shareholders’ equity          
Other liabilities  $942,015   $938,480 
Shareholders’ equity   53,917,633    54,980,356 
Total liabilities and shareholders’ equity  $54,859,648   $55,918,836 

 

 

Condensed Statements of Income

 

                       
   For the year ended December 31, 
   2021   2020   2019 
Interest income  $288   $759   $1,280 
Net operating expenses   (256,471)   (255,409)   (221,510)
Dividends received fom bank   3,805,000    4,700,000    4,170,000 
Equity in undistributed earnings of subsidiary   3,196,048    2,015,281    3,368,663 
Net income  $6,744,865   $6,460,631   $7,318,433 

 

75

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

Condensed Statements of Cash Flows

 

                       
   For the year ended December 31, 
   2021   2020   2019 
Cash flows from operating activities:               
Net income  $6,744,865   $6,460,631   $7,318,433 
Stock-based compensation expense   103,033    92,986    78,053 
Equity in undistributed earnings of subsidiary   (3,196,048)   (2,015,280)   (3,368,663)
Decrease in other assets   (37,802)   (36,590)   (45,979)
Increase in other liabilities   (1)   —    — 
Net cash provided by operating activities   3,614,047    4,501,747    3,981,844 
                
Cash flows from financing activities:               
Dividends paid   (4,312,138)   (3,592,841)   (4,031,157)
Repurchase of common shares   —    (398,868)   — 
Stock options exercised   207,889    117,044    138,286 
Net cash used by financing activities   (4,104,249)   (3,874,665)   (3,892,871)
                
Net (decrease) increase in cash   (490,202)   627,082    88,973 
Cash at the beginning of the year   1,723,556    1,096,474    1,007,501 
Cash at the end of the year  $1,233,354   $1,723,556   $1,096,474 
                
Supplemental disclosure for non-cash investing and financing activity               
Change in dividends payable  $3,536   $53,680   $58,163 

 

 

 

21. QUARTERLY RESULTS OF OPERATIONS (UNAUDITED)

 

The tables below represent the quarterly results of operations for the years ended December 31, 2021 and 2020, respectively:

 

                               
   2021 
   Fourth   Third   Second   First 
                     
Total interest and fee income  $4,345,017   $4,201,069   $4,363,910   $4,641,115 
Total interest expense   37,840    39,319    42,317    54,524 
Net interest income   4,307,177    4,161,750    4,321,593    4,586,591 
Provision for loan losses   —    —    —    120,000 
Net interest income after provision for loan losses   4,307,177    4,161,750    4,321,593    4,466,591 
Total other income   842,935    1,138,431    946,951    939,914 
Total other expense   3,146,129    3,047,534    3,084,596    3,030,715 
Income before income tax expense   2,003,983    2,252,647    2,183,948    2,375,790 
Income tax expense   464,814    525,710    515,264    565,715 
Net income  $1,539,169   $1,726,937   $1,668,684   $1,810,075 
                     
Basic income per common share  $0.28   $0.31   $0.30   $0.33 
Diluted income per common share  $0.27   $0.30   $0.29   $0.32 

 

76

 

 

BANK OF SOUTH CAROLINA CORPORATION
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 
                               
   2020 
   Fourth   Third   Second   First 
Total interest and fee income  $4,442,774   $4,292,345   $4,203,211   $4,301,426 
Total interest expense   63,139    72,198    76,005    94,072 
Net interest income   4,379,635    4,220,147    4,127,206    4,207,354 
Provision for loan losses   200,000    40,000    —    — 
Net interest income after provision for loan losses   4,179,635    4,180,147    4,127,206    4,207,354 
Total other income   1,095,596    978,052    703,622    627,631 
Total other expense   3,011,191    2,934,998    2,870,223    2,856,521 
Income before income tax expense   2,264,040    2,223,201    1,960,605    1,978,464 
Income tax expense   528,834    519,930    459,582    457,333 
Net income  $1,735,206   $1,703,271   $1,501,023   $1,521,131 
                     
Basic income per common share  $0.31   $0.31   $0.27   $0.28 
Diluted income per common share  $0.31   $0.30   $0.26   $0.27 

 

 

77

 

 

  Item 9. Changes In and Disagreements With Accountants on Accounting and Financial Disclosure

 

None

 

  Item 9A. Controls and Procedures

 

An evaluation of the Company’s disclosure controls and procedures (as defined in Rule 13a-15(e) and Rule 15d-15(e) promulgated under the Securities and Exchange Act of 1934 as amended (the “Act”) was carried out as of December 31, 2021 under the supervision and with the participation of the Bank of South Carolina Corporation’s management, including its President/Chief Executive Officer and the Chief Financial Officer/Executive Vice President and several other members of the Company’s senior management. Based upon that evaluation, Bank of South Carolina Corporation’s management, including the President/Chief Executive Officer and the Chief Financial Officer/Executive Vice President concluded that, as of December 31, 2021, the Company’s disclosure controls and procedures were effective in ensuring that the information the Company is required to disclose in the reports filed or submitted under the Act has been (i) accumulated and communicated to management (including the President/Chief Executive Officer and Chief Financial Officer/Executive Vice President) to allow timely decisions regarding required disclosure, and (ii) recorded, processed, summarized and reported within the time periods specified in the SEC’s rules and forms.

 

Management’s Report on Internal Control Over Financial Reporting

 

The Company’s management is responsible for establishing and maintaining adequate internal controls over financial reporting, as such term is defined in Rule 13a-15(f) of the Exchange Act. The Company’s internal control over financial reporting is designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of published financial statements in accordance with generally accepted accounting principles.

 

Under the supervision and with the participation of management, including the President/Chief Executive Officer and the Chief Financial Officer/Executive Vice President, the Company’s management has evaluated the effectiveness of its internal control over financial reporting as of December 31, 2021, based on the 2013 framework established in a report entitled “Internal Control-Integrated Framework” issued by the Committee of Sponsoring Organizations of the Treadway Commission.

 

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

 

The Company’s management assessed the effectiveness of the Company’s internal control over financial reporting as of December 31, 2021. Based on this assessment, management believes that as of December 31, 2021, the Company’s internal control over financial reporting was effective. There were no changes in the Company’s internal control over financial reporting that occurred during the year ended December 31, 2021, that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.

 

This annual report does not include an attestation report of the Company’s registered public accounting firm regarding internal control over financial reporting. Management’s report is not subject to attestation by the Company’s registered public accounting firm pursuant to the final ruling by the Securities and Exchange Commission that permits the Company to provide only management’s report in its annual report.

 

The Audit and Compliance Committee, composed entirely of independent Directors, meets periodically with management, the Company’s Audit & Compliance Officer, and Elliott Davis, LLC (separately and jointly) to discuss audit, financial and related matters. Elliott Davis, LLC and the Audit & Compliance Officer have direct access to the Audit and Compliance Committee.

 

  Item 9B. Other Information

 

There was no information required to be disclosed in a report on Form 8-K during the fourth quarter of 2021 that was not reported.

 

78 

 

 

PART III

 

Item 10. Directors, Executive Officers, Promoters and Corporate Governance

 

The information required by this item contained under the sections captioned “Proposal 1: To elect nineteen Directors of Bank of South Carolina Corporation to serve until the Company’s 2023 Annual Meeting of Shareholders” and “Meetings and Committees of the Board of Directors and Corporate Governance Matters” included in the Company’s definitive Proxy Statement for its Annual Meeting of Shareholders to be held on April 12, 2022, a copy of which has been filed with the SEC, the “Proxy Statement”, is incorporated in this document by reference.

 

Executive Officers. The information concerning the Company’s executive officers is contained under the section captioned “Proposal 1: To elect nineteen Directors of Bank of South Carolina Corporation to serve until the Company’s 2023 Annual Meeting of Shareholders,” included in the Company’s Proxy Statement, and is incorporated in this document by reference.

 

Audit and Compliance Committee Financial Expert. The Audit and Compliance Committee of the Company is composed of Directors Dr. Linda J. Bradley McKee, CPA; William L. Hiott, Jr.; Richard W. Hutson, Jr.; Karen J. Phillips, and Sheryl G. Sharry (Chairman). The Board has selected the Audit and Compliance Committee members based on its determination that they are qualified to oversee the accounting and financial reporting processes of the Company and audits of the Company’s financial statements. Each member of the Audit and Compliance Committee is “independent” as defined in the NASDAQ Stock Market listing standards for audit committee members.

 

The Board of Directors has determined that Dr. Linda J. Bradley McKee, CPA, qualifies as a financial expert within the meaning of SEC rules and regulations and has designated Dr. Bradley McKee as the Audit and Compliance Committee financial expert. Director Bradley McKee is independent as that term is used in Schedule 14A promulgated under the Exchange Act.

 

Code of Ethics. The Company has adopted a “Code of Ethics”, applicable to the Chairman of the Board of Directors, the President/Chief Executive Officer, the Chief Financial Officer/Executive Vice President, the Chief Operating Officer/Executive Vice President and the Senior Lender/Executive Vice President and a “Code of Conduct” for Directors, officers and employees. A copy of these policies may be obtained at the Company’s website: http://www.banksc.com.

 

Compliance with Insider Reporting. The information contained under the section captioned “Section 16(a) Beneficial Ownership Reporting Compliance” is included in the Company’s Proxy Statement and is incorporated in this document by reference.

 

Item 11. Executive Compensation

 

The information required by this item is incorporated by reference to the Section captioned “Directors Compensation” and “Executive Compensation-Compensation Discussion and Analysis” included in the Proxy Statement.

 

Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

 

Security Ownership and Certain Beneficial Owners

 

Information required by this item is incorporated in this document by reference to the Section captioned “Security Ownership of Certain Beneficial Owners and Management” included in the Proxy Statement.

 

Security Ownership of Management

 

Information required by this item is incorporated in this document by reference to the Section captioned “Security Ownership of Certain Beneficial Owners and Management” included in the Proxy Statement.

 

Changes in Control

 

Management is not aware of any arrangements, including any pledge by any shareholder of the Company, the operation of which may at a subsequent date result in a change of control of the Company.

 

79 

 

 

Item 13. Certain Relationships and Related Transactions, and Director Independence

 

The information required by this item is incorporated in this document by reference to the Sections captioned “Proposal 1: To elect nineteen Directors of Bank of South Carolina Corporation to serve until the Company’s 2023 Annual Meeting of Shareholders” and “Meetings and Committees of the Board of Directors and Corporate Governance Matters”, included in the Proxy Statement.

 

Item 14. Principal Accounting Fees and Services

 

The information required by this item is incorporated in this document by reference to “Proposal 3: To ratify the appointment of Elliott Davis, LLC as the Company’s independent registered public accounting firm for the year ended December 31, 2022” and “Auditing and Related Fees”, included in the Proxy Statement. Our independent registered public accounting firm is Elliott Davis, LLC, Greenville, South Carolina, Auditor ID: 149.

 

80 

 

 

PART IV

 

Item 15. Exhibits and Financial Statement Schedules

 

1. The Consolidated Financial Statements and Report of Independent Registered Public Accounting Firm are included in this Form 10-K and listed on pages as indicated.
      Page
  (1) Report of Independent Registered Public Accounting Firm   37
  (2) Consolidated Balance Sheets   38
  (3) Consolidated Statements of Income   39
  (4) Consolidated Statements of Comprehensive Income   40
  (5) Consolidated Statements of Shareholders’ Equity   41
  (6) Consolidated Statements of Cash Flows   42
  (7) Notes to Consolidated Financial Statements   43 - 77

 

2. Exhibits

 

  2.0 Plan of Reorganization (Filed with 1995 10-KSB)
  3.0 Articles of Incorporation of the Registrant (Filed with 1995 10-KSB)
  3.1 By-laws of the Registrant (Filed with 1995 10-KSB)
  3.2 Amendments to the Articles of Incorporation of the Registrant (Filed with Form S-3 on June 23, 2011)
  4.0 2021 Proxy Statement (Filed with 2020 DEF-14)
  10.0 Lease Agreement for 256 Meeting Street (Filed with 1995 10-KSB)
  10.1 Sublease Agreement for Parking Facilities at 256 Meeting Street (Filed with 1995 10-KSB)
  10.2 Lease Agreement for 100 N. Main Street, Summerville, SC (Filed with 1995 10-KSB)
  10.3 Lease Agreement for 1337 Chuck Dawley Blvd., Mt. Pleasant, SC (Filed with 1995 10-KSB)
  10.4 Lease Agreement for 1071 Morrison Drive, Charleston, SC (Filed with 2010 10-K)
    Lease Agreement for 1071 Morrison Drive, Charleston, SC (Filed with March 31, 2013 10-Q)
  10.5 1998 Omnibus Stock Incentive Plan (Filed with 2008 10-K/A)
  10.6 Employee Stock Ownership Plan (Filed with 2008 10-K/A)
    Employee Stock Ownership Plan, Restated (Filed with 2011 Proxy Statement)
    Employee Stock Ownership Plan, Restated (Incorporated herein)
  10.7 2010 Omnibus Incentive Stock Option Plan (Filed with 2010 Proxy Statement)
  10.8 Lease Agreement for Highway 78 Ingleside Boulevard North Charleston, SC (Filed with 2013 10-K)
  10.9 Assignment and Assumption of Lease Agreement for Highway 78 Ingleside Boulevard North Charleston, SC (Filed with 2015 10-K)
  10.10 First Amendment to Lease Agreement for Highway 78 Ingleside Boulevard North Charleston, SC (Filed with 2015 10-K)
  10.11 Second Amendment to Lease Agreement for Highway 78 Ingleside Boulevard North Charleston, SC (Filed with 2015 10-K)
  10.12 Extension to Lease Agreement for 256 Meeting Street (Filed with September 30, 2017 10-Q)
  10.13 North Charleston Lease Agreement (Filed with June 30, 2017 10-Q)
 

10.15

10.16

Sublease Amendment for Parking Facilities at 256 Meeting Street (Filed with September 30, 2017 10-Q)

Lease Agreement for 1730 Maybank Highway Charleston, SC (Filed with September 30, 2021 10-Q) 

  10.17 First Amendment to Lease Agreement for 256 Meeting Street (Filed within)
  13.0 2021 10-K (Incorporated herein)
    2021 Stock Incentive Plan for Independent Directors (Filed with 2021 Proxy Statement) 
  14.0 Code of Ethics (Filed with 2004 10-KSB)
  21.0 List of Subsidiaries of the Registrant (Filed with 1995 10-KSB)
    The Registrant’s only subsidiary is The Bank of South Carolina (Filed with 1995 10-KSB)
  23.1 Consent of Independent Registered Public Accounting Firm
  31.1 Certification pursuant to Rule 13a-14(a)/15d-14(a) by the Principal Executive Officer
  31.2 Certification pursuant to Rule 13a-14(a)/15d-14(a) by the Principal Financial Officer
  32.1 Certification pursuant to Section 1350
  32.2 Certification pursuant to Section 1350
  104 Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101).
  101.SCH XBRL Taxonomy Extension Schema Document
  101.CAL XBRL Taxonomy Extension Calculation Linkbase Document
  101.DEF XBRL Taxonomy Extension Definition Linkbase Document
  101.LAB XBRL Taxonomy Extension Label Linkbase Document
  101.PRE XBRL Taxonomy Extension Presentation Linkbase Document

 

81 

 

 

SIGNATURES

 

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

 

Date: March 4, 2022 BANK OF SOUTH CAROLINA CORPORATION
     
  By: /s/ Fleetwood S. Hassell
    Fleetwood S. Hassell
    President/Chief Executive Officer
     
  By: /s/ Eugene H. Walpole, IV
    Eugene H. Walpole, IV
    Chief Financial Officer/Executive Vice President

 

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated:

 

March 4, 2022 /s/ David W. Bunch
  David W. Bunch, Director
   
March 4, 2022 /s/ Graham M. Eubank, Jr.
  Graham M. Eubank, Jr., Director
   
March 4, 2022 /s/ Elizabeth M. Hagood
  Elizabeth M. Hagood, Director
   
March 4, 2022 /s/ Fleetwood S. Hassell
  Fleetwood S. Hassell, President/
Chief Executive Officer, Director
   
March 4, 2022 /s/ Glen B. Haynes, DVM
  Glen B. Haynes, DVM, Director
   
March 4, 2022 /s/ William L. Hiott, Jr.
  William L. Hiott, Jr., Director
   
March 4, 2022 /s/ Richard W. Hutson, Jr.
  Richard W. Hutson, Jr., Director
   
March 4, 2022 /s/ Charles G. Lane
  Charles G. Lane, Director
   
March 4, 2022 /s/ Hugh C. Lane, Jr.
  Hugh C. Lane, Jr., Chairman of the Board, Director
   
March 4, 2022 /s/ Linda. J. Bradley McKee, PHD, CPA
  Linda J. Bradley McKee, PHD, CPA, Director
   
March 4, 2022 /s/ Alan I. Nussbaum
  Alan I. Nussbaum, MD, Director
   
March 4, 2022 /s/ Karen J. Phillips
  Karen J. Phillips, Director
   
March 4, 2022 /s/ Edmund Rhett, Jr. MD
  Edmund Rhett, Jr. MD, Director
   
March 4, 2022 /s/ Malcolm M. Rhodes
  Malcolm M. Rhodes, MD, Director
   
March 4, 2022 /s/ Douglas H. Sass
  Douglas H. Sass, Executive Vice President, Director

 

March 4, 2022 /s/ Sheryl G. Sharry
  Sheryl G. Sharry, Director
   
March 4, 2022 /s/ Steve D. Swanson
  Steve D. Swanson, Director
   
March 4, 2022 /s/ Susanne K. Boyd
  Chief Operating Officer/Executive Vice President, Director
   
March 4, 2022 /s/ Eugene H. Walpole, IV
  Chief Financial Officer/Executive Vice President, Director

 

82 

 EX-10.17 2 ex10-17.htm FIRST AMENDMENT TO LEASE AGREEMENT FOR 256 MEETING STREET
 

Bank of South Carolina Corporation 10-K

 

EXHIBIT 10.17

 

 
 

 
 

 
 

 

 

 EX-23.1 3 ex23-1.htm CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
 

Bank of South Carolina Corporation 10-K

 

EXHIBIT 23.1

 

Consent of Independent Registered Public Accounting Firm

 

We consent to the incorporation by reference in the Registration Statement No. 333-237676 on Form S-8 of Bank of South Carolina Corporation of our report dated March 4, 2022, relating to the consolidated financial statements of Bank of South Carolina Corporation and subsidiary, which appear in this Annual Report on Form 10-K of Bank of South Carolina Corporation for the year ended December 31, 2021.

 

/s/ Elliott Davis, LLC

 

Charleston, South Carolina

March 4, 2022

 

 

 EX-31.1 4 ex31-1.htm CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER

 

 

Bank of South Carolina Corporation 10-K

 

EXHIBIT 31.1

 

CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER PURSUANT TO
RULE 13A-14(A)/15D-14(A)
UNDER THE SECURITIES EXCHANGE ACT OF 1934

 

CERTIFICATION

 

I, Fleetwood S. Hassell, certify that:

 

1. I have reviewed this Annual Report on Form 10-K of the Bank of South Carolina Corporation;

 

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for the periods presented in this report.

 

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal controls over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)), for the registrant and have:

 

  a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiary, is made known to us by others within the entity, particularly during the period in which this report is being prepared;

 

  b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

  c) Evaluated the effectiveness of registrant’s disclosure controls and procedures within 90 days prior to the filing date of the report and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

  d) Disclosed in this report any changes in registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting.

 

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the Audit and Compliance Committee of the registrant’s Board of Directors (or persons performing the equivalent functions):

 

  a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

  b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Date: March 4, 2022

 

/s/ Fleetwood S. Hassell  
Fleetwood S. Hassell  
President/Chief Executive Officer  

  

 

 EX-31.2 5 ex31-2.htm CERTIFICATION OF PRINCIPAL FINANCIAL OFFICER
 

Bank of South Carolina Corporation 10-K

 

EXHIBIT 31.2

 

CERTIFICATION OF THE CHIEF FINANCIAL OFFICER PURSUANT TO
RULE 13A-14(A)/15D-14(A)
UNDER THE SECURITIES EXCHANGE ACT OF 1934

 

CERTIFICATION

 

I, Eugene H. Walpole, IV, certify that:

 

1. I have reviewed this Annual Report on Form 10-K of the Bank of South Carolina Corporation;

 

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for the periods presented in this report.

 

4. The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)), for the registrant and have:

 

  a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiary, is made known to us by others within the entity, particularly during the period in which this report is being prepared;

 

  b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

  c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures within 90 days prior to the filing date of the report and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

  d) Disclosed in this report any changes in the registrant’s internal control over financial reporting that occurred during registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonable likely to materially affect, registrant’s internal control over financial reporting.

 

5. The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the Audit and Compliance Committee of the registrant’s Board of Directors (or persons performing the equivalent functions):

 

  a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

  b) Any fraud, whether or not material, that involves management or other employees who have a significant role in registrant’s internal control over financial reporting.

 

Date: March 4, 2022

 

/s/ Eugene H. Walpole, IV  
Eugene H. Walpole, IV  
Chief Financial Officer/Executive Vice President  

 

 

 EX-32.1 6 ex32-1.htm CERTIFICATION OF PRESIDENT/CHIEF EXECUTIVE OFFICER
 

Bank of South Carolina Corporation 10-K

 

EXHIBIT 32.1

 

CERTIFICATION OF THE CHIEF EXECUTIVE OFFICER PURSUANT TO 18 U.S.C. 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

 

I, Fleetwood S. Hassell, President/Chief Executive Officer of Bank of South Carolina Corporation (the “Company”), certify, that to the best of my knowledge, based upon a review of the annual report on Form 10-K for the period ended December 31, 2021 of the Company (the “Report”):

 

  1. the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended, (U.S.C. 78m or 78o(d)); and

 

  2. the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

 

Date: March 4, 2022

 

  By: /s/ Fleetwood S. Hassell  
    Fleetwood S. Hassell  
    President/Chief Executive Officer  

 

 

 EX-32.2 7 ex32-2.htm CERTIFICATION OF CHIEF FINANCIAL OFFICER/EXECUTIVE VICE PRESIDENT
 

Bank of South Carolina Corporation 10-K

 

EXHIBIT 32.2

 

CERTIFICATION OF THE CHIEF FINANCIAL OFFICER PURSUANT TO 18 U.S.C. 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

 

I, Eugene H. Walpole, IV, Chief Financial Officer/Executive Vice President of Bank of South Carolina Corporation (the “Company”), certify that to the best of my knowledge, based upon a review of the annual report on Form 10-K for the period ended December 31, 2021 of the Company (the “Report”):

 

  1. the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended, (U.S.C. 78m or 78o(d)); and

 

  2. the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

 

Date: March 4, 2022

 

  By: /s/ Eugene H. Walpole, IV  
    Eugene H. Walpole, IV  
    Chief Financial Officer/Executive Vice President  

 

 

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Disclosure - INCOME TAXES link:presentationLink link:calculationLink link:definitionLink 00000019 - Disclosure - COMMITMENTS AND CONTINGENCIES link:presentationLink link:calculationLink link:definitionLink 00000020 - Disclosure - RELATED PARTY TRANSACTIONS link:presentationLink link:calculationLink link:definitionLink 00000021 - Disclosure - OTHER EXPENSE link:presentationLink link:calculationLink link:definitionLink 00000022 - Disclosure - STOCK INCENTIVE PLANS link:presentationLink link:calculationLink link:definitionLink 00000023 - Disclosure - EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST link:presentationLink link:calculationLink link:definitionLink 00000024 - Disclosure - DIVIDENDS link:presentationLink link:calculationLink link:definitionLink 00000025 - Disclosure - INCOME PER COMMON SHARE link:presentationLink link:calculationLink link:definitionLink 00000026 - Disclosure - REGULATORY CAPITAL REQUIREMENTS link:presentationLink link:calculationLink link:definitionLink 00000027 - Disclosure - 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Disclosure - LEASES (Tables) link:presentationLink link:calculationLink link:definitionLink 00000036 - Disclosure - DEPOSITS (Tables) link:presentationLink link:calculationLink link:definitionLink 00000037 - Disclosure - INCOME TAXES (Tables) link:presentationLink link:calculationLink link:definitionLink 00000038 - Disclosure - RELATED PARTY TRANSACTIONS (Tables) link:presentationLink link:calculationLink link:definitionLink 00000039 - Disclosure - OTHER EXPENSE (Tables) link:presentationLink link:calculationLink link:definitionLink 00000040 - Disclosure - STOCK INCENTIVE PLANS (Tables) link:presentationLink link:calculationLink link:definitionLink 00000041 - Disclosure - INCOME PER COMMON SHARE (Tables) link:presentationLink link:calculationLink link:definitionLink 00000042 - Disclosure - REGULATORY CAPITAL REQUIREMENTS (Tables) link:presentationLink link:calculationLink link:definitionLink 00000043 - Disclosure - DISCLOSURES REGARDING FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables) link:presentationLink link:calculationLink link:definitionLink 00000044 - Disclosure - BANK OF SOUTH CAROLINA CORPORATION - PARENT COMPANY (Tables) link:presentationLink link:calculationLink link:definitionLink 00000045 - Disclosure - QUARTERLY RESULTS OF OPERATIONS (UNAUDITED) (Tables) link:presentationLink link:calculationLink link:definitionLink 00000046 - Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000047 - Disclosure - The amortized cost and fair value of investment securities available for sale are summarized as follows. (Details) link:presentationLink link:calculationLink link:definitionLink 00000048 - Disclosure - The amortized cost and estimated fair value of investment securities available for sale at December 31, 2021 and 2020, by contractual maturity are in the following table. (Details) link:presentationLink link:calculationLink link:definitionLink 00000049 - Disclosure - The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss posi (Details) link:presentationLink link:calculationLink link:definitionLink 00000050 - Disclosure - The table below shows the proceeds received from sales of securities available for sale and gross realized gains and losses. (Details) link:presentationLink link:calculationLink link:definitionLink 00000051 - Disclosure - INVESTMENT SECURITIES AVAILABLE FOR SALE (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000052 - Disclosure - LOANS AND ALLOWANCE FOR LOAN LOSSES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000053 - Disclosure - Major classifications of loans (Details) link:presentationLink link:calculationLink link:definitionLink 00000054 - Disclosure - The following tables illustrate credit risks by category and internally assigned grades at December 31, 2021 and 2020. (Details) link:presentationLink link:calculationLink link:definitionLink 00000055 - Disclosure - The following tables include an aging analysis of the recorded investment in loans segregated by class. (Details) link:presentationLink link:calculationLink link:definitionLink 00000056 - Disclosure - The following table summarizes the balances of non-accrual loans. (Details) link:presentationLink link:calculationLink link:definitionLink 00000057 - Disclosure - The following tables set forth the changes in the allowance and an allocation of the allowance by class at December 31, 2021, 2020, and 2019. (Details) link:presentationLink link:calculationLink link:definitionLink 00000058 - Disclosure - The following tables present, by class and reserving methodology, the allocation of the allowance for loan losses and the gross investment in loans. (Details) link:presentationLink link:calculationLink link:definitionLink 00000059 - Disclosure - As of December 31, 2021 and 2020, loans individually evaluated for impairment and the corresponding allowance for loan losses are presented in the following table. (Details) link:presentationLink link:calculationLink link:definitionLink 00000060 - Disclosure - The following table presents average impaired loans and interest income recognized on those impaired loans, by class segment, for the periods indicated. (Details) link:presentationLink link:calculationLink link:definitionLink 00000061 - Disclosure - Our loans were concentrated in the following categories. (Details) link:presentationLink link:calculationLink link:definitionLink 00000062 - Disclosure - Premises, equipment and leasehold improvements are summarized in the table below. (Details) link:presentationLink link:calculationLink link:definitionLink 00000063 - Disclosure - PREMISES, EQUIPMENT AND LEASEHOLD IMPROVEMENTS (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000064 - Disclosure - LEASES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000065 - Disclosure - Minimum rental commitments for these leases as of December 31, 2021 are presented in the table below. (Details) link:presentationLink link:calculationLink link:definitionLink 00000066 - Disclosure - The table below shows lease expense components for the year ended December 31, 2021 and 2020. (Details) link:presentationLink link:calculationLink link:definitionLink 00000067 - Disclosure - The scheduled maturities of certificates of deposit as of December 31, 2021 are presented in the table below (Details) link:presentationLink link:calculationLink link:definitionLink 00000068 - Disclosure - DEPOSITS (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000069 - Disclosure - SHORT-TERM BORROWINGS (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000070 - Disclosure - Total income taxes for the years ended December 31, 2021, 2020 and 2019 are presented in the table below. (Details) link:presentationLink link:calculationLink link:definitionLink 00000071 - Disclosure - Income tax expense was as follows: (Details) link:presentationLink link:calculationLink link:definitionLink 00000072 - Disclosure - The differences between actual income tax expense and the amounts computed by applying the U.S. federal income tax rate of 21% to pretax income from continuing operations for the periods indicated are reconciled in the table below. (Details) link:presentationLink link:calculationLink link:definitionLink 00000073 - Disclosure - The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020 are presented below. (Details) link:presentationLink link:calculationLink link:definitionLink 00000074 - Disclosure - INCOME TAXES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000075 - Disclosure - COMMITMENTS AND CONTINGENCIES (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000076 - Disclosure - The table below summarizes related party loans. (Details) link:presentationLink link:calculationLink link:definitionLink 00000077 - Disclosure - RELATED PARTY TRANSACTIONS (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000078 - Disclosure - The table below summarizes the components of other operating expense. (Details) link:presentationLink link:calculationLink link:definitionLink 00000079 - Disclosure - The fair value of options granted was determined using the following weighted-average assumptions as of grant date: (Details) link:presentationLink link:calculationLink link:definitionLink 00000080 - Disclosure - The following table presents a summary of the activity under the 2010, 2020 and 2021 Stock Incentive Plans for the years ended December 31: (Details) link:presentationLink link:calculationLink link:definitionLink 00000081 - Disclosure - The following table presents information pertaining to options outstanding at December 31, 2021. (Details) link:presentationLink link:calculationLink link:definitionLink 00000082 - Disclosure - STOCK INCENTIVE PLANS (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000083 - Disclosure - EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000084 - Disclosure - DIVIDENDS (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000085 - Disclosure - The following table is a summary of the reconciliation of weighted average shares outstanding for the years ended December 31: (Details) link:presentationLink link:calculationLink link:definitionLink 00000086 - Disclosure - The following table presents the actual CBLR for the Bank and Company at: (Details) link:presentationLink link:calculationLink link:definitionLink 00000087 - Disclosure - REGULATORY CAPITAL REQUIREMENTS (Details Narrative) link:presentationLink link:calculationLink link:definitionLink 00000088 - Disclosure - The following table presents information about assets measured at fair value on a recurring basis as of December 31, 2021 and 2020. (Details) link:presentationLink link:calculationLink link:definitionLink 00000089 - Disclosure - The following table reconciles the changes in assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2021 and 2020. (Details) link:presentationLink link:calculationLink link:definitionLink 00000090 - Disclosure - The following tables present information about certain assets measured at fair value on a nonrecurring basis as of December 31, 2021 and 2020. (Details) link:presentationLink link:calculationLink link:definitionLink 00000091 - Disclosure - The following table provides information describing the unobservable inputs used in Level 3 fair value measurements at December 31, 2021: (Details) link:presentationLink link:calculationLink link:definitionLink 00000092 - Disclosure - The following tables present the carrying amount, fair value, and placement in the fair value hierarchy of our financial instruments as of December 31, 2021 and 2020, respectively (Details) link:presentationLink link:calculationLink link:definitionLink 00000093 - Disclosure - Condensed Statements of Financial Condition (Details) link:presentationLink link:calculationLink link:definitionLink 00000094 - Disclosure - Condensed Statements of Income (Details) link:presentationLink link:calculationLink link:definitionLink 00000095 - Disclosure - Condensed Statements of Cash Flows (Details) link:presentationLink link:calculationLink link:definitionLink 00000096 - Disclosure - The tables below represent the quarterly results of operations for the years ended December 31, 2021 and 2020, respectively: (Details) link:presentationLink link:calculationLink link:definitionLink EX-101.CAL 9 bksc-20211231_cal.xml XBRL CALCULATION FILE EX-101.DEF 10 bksc-20211231_def.xml XBRL DEFINITION FILE EX-101.LAB 11 bksc-20211231_lab.xml XBRL LABEL FILE Equity Components [Axis] Common Stock [Member] Additional Paid-in Capital [Member] Retained Earnings [Member] Treasury Stock [Member] AOCI Attributable to Parent [Member] Long-Lived Tangible Asset [Axis] Building [Member] Equipment [Member] Statistical Measurement [Axis] Minimum [Member] Maximum [Member] Financial Instrument [Axis] US Treasury Securities [Member] US Government-sponsored Enterprises Debt Securities [Member] US States and Political Subdivisions Debt Securities [Member] Class of Financing Receivable [Axis] Paycheck Protection Program [Member] Loan Restructuring Modification [Axis] Interest Only Loans 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Party [Axis] Affiliated Entity [Member] Credit Facility [Axis] Federal Reserve Bank Advances [Member] Commitments to Extend Credit [Member] Standby Letters of Credit [Member] Plan Name [Axis] 2010 Stock Incentive Plan [Member] Dividends [Axis] Adjusted for Stock Dividends [Member] 2020 Stock Incentive Plan [Member] Vesting [Axis] Vesting after Five Years [Member] Vesting Each Year Thereafter [Member] Stock Incentive Plan 2021 [Member] Vesting Each Year [Member] Exercise Price Range [Axis] Exercise Price 1 [Member] Exercise Price 2 [Member] Exercise Price 3 [Member] Exercise Price 4 [Member] Exercise Price 5 [Member] Exercise Price 6 [Member] Exercise Price 7 [Member] Exercise Price 8 [Member] Exercise Price 9 [Member] Exercise Price 10 [Member] Exercise Price 11 Member] Employee Stock Ownership Plan (ESOP) Name [Axis] Employee Stock Ownership ESOP Plan [Member] Share-based Payment Arrangement, Tranche One [Member] Share-based Payment Arrangement, Tranche Two [Member] Share-based 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Report Document Shell Company Report Document Shell Company Event Date Document Period Start Date Document Period End Date Document Fiscal Period Focus Document Fiscal Year Focus Current Fiscal Year End Date Entity File Number Entity Registrant Name Entity Central Index Key Entity Primary SIC Number Entity Tax Identification Number Entity Incorporation, State or Country Code Entity Address, Address Line One Entity Address, Address Line Two Entity Address, Address Line Three Entity Address, City or Town Entity Address, State or Province Entity Address, Country Entity Address, Postal Zip Code Country Region City Area Code Local Phone Number Extension Written Communications Soliciting Material Pre-commencement Tender Offer Pre-commencement Issuer Tender Offer Title of 12(b) Security No Trading Symbol Flag Trading Symbol Security Exchange Name Title of 12(g) Security Security Reporting Obligation Annual Information Form Audited Annual Financial Statements Entity Well-known Seasoned Issuer Entity Voluntary Filers Entity Current Reporting Status Entity Interactive Data Current Entity Filer Category Entity Small Business Entity Emerging Growth Company Elected Not To Use the Extended Transition Period Document Accounting Standard Other Reporting Standard Item Number Entity Shell Company Entity Public Float Entity Bankruptcy Proceedings, Reporting Current Entity Common Stock, Shares Outstanding Documents Incorporated by Reference [Text Block] Auditor Name Auditor Location Auditor Firm ID Statement of Financial Position [Abstract] ASSETS Cash and due from banks Interest-bearing deposits at the Federal Reserve Investment securities available for sale (amortized cost of $215,047,451 and $132,706,063 in 2021 and 2020, respectively) Mortgage loans to be sold Loans Less: Allowance for loan losses Net loans Premises, equipment and leasehold improvements, net Right of use asset Accrued interest receivable Other assets Total assets LIABILITIES AND SHAREHOLDERS’ EQUITY Liabilities Deposits: Non-interest bearing demand Interest bearing demand Money market accounts Time deposits $250,000 and over Other time deposits Other savings deposits Total deposits Accrued interest payable and other liabilities Lease liability Total liabilities Shareholders’ equity Common stock - no par 12,000,000 shares authorized; Issued 5,841,240 shares at December 31, 2021 and 5,818,935 shares at December 31, 2020. Shares outstanding 5,541,266 and 5,520,469 at December 31, 2021 and December 31, 2020, respectively. Additional paid in capital Retained earnings Treasury stock: 299,974 shares as of December 31, 2021 and 298,466 shares as of December 31, 2020 Accumulated other comprehensive income (loss), net of income taxes Total shareholders’ equity Total liabilities and shareholders’ equity Amortized cost of investment securities available for sale Common stock, no par value (in dollars per share) Common stock, authorized Common stock, issued Common stock, outstanding Treasury stock, shares Income Statement [Abstract] Interest and fee income Loans, including fees Taxable securities Tax-exempt securities Other Total interest and fee income Interest expense Deposits Total interest expense Net interest income Provision for loan losses Net interest income after provision for loan losses Other income Service charges and fees Mortgage banking income Gain on sales of securities, net Other non-interest income Total other income Other expense Salaries and employee benefits Net occupancy expense Data processing fees Professional expenses Other operating expenses Total other expense Income before income tax expense Income tax expense Net income Weighted average shares outstanding Basic Diluted Basic income per common share Diluted income per common share Net income Other comprehensive (loss) income Unrealized (loss) gain on securities arising during the period Reclassification adjustment for securities gains realized in net income Other comprehensive (loss) income before tax Income tax effect related to items of other comprehensive (loss) income before tax Other comprehensive (loss) income after tax Total comprehensive income Statement [Table] Statement [Line Items] Beginning balance Beginning balance (in shares) Other comprehensive gain (loss) Stock option exercises, net of surrenders Stock option exercises, net of surrenders (in shares) Stock-based compensation expense Repurchase of common shares Repurchase of common shares (in shares) Cash dividends Ending balance Ending balance (in shares) Statement of Stockholders' Equity [Abstract] Cash dividends (per share) Statement of Cash Flows [Abstract] Cash flows from operating activities: Adjustments to reconcile net income to net cash provided by operating activities: Depreciation expense Gain on sale of investment securities Stock-based compensation expense Deferred income taxes Net amortization of unearned discounts on investment securities available for sale Origination of mortgage loans held for sale Proceeds from sale of mortgage loans held for sale Decrease (increase) in accrued interest receivable and other assets (Decrease) increase in accrued interest payable and other liabilities Net cash provided by operating activities Cash flows from investing activities: Proceeds from calls and maturities of investment securities available for sale Proceeds from sale of investment securities available for sale Purchase of investment securities available for sale Net decrease (increase) in loans Purchase of premises, equipment, and leasehold improvements, net Net cash (used in) provided by investing activities Cash flows from financing activities: Net increase (decrease) in deposit accounts Dividends paid Repurchase of common shares Stock options exercised Net cash provided by (used in) financing activities Net increase (decrease) in cash and cash equivalents Cash and cash equivalents at the beginning of the period Cash and cash equivalents at the end of the period Cash paid during the period for: Interest Income taxes Supplemental disclosures for non-cash investing and financing activity: Change in unrealized gain or loss on securities available for sale, net of income taxes Change in dividends payable Right of use assets obtained in exchange for lease obligation Change in right of use assets and lease liabilities Accounting Policies [Abstract] ORGANIZATION SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Investments, Debt and Equity Securities [Abstract] INVESTMENT SECURITIES AVAILABLE FOR SALE Receivables [Abstract] LOANS AND ALLOWANCE FOR LOAN LOSSES Risks and Uncertainties [Abstract] CONCENTRATIONS OF CREDIT RISK Property, Plant and Equipment [Abstract] PREMISES, EQUIPMENT AND LEASEHOLD IMPROVEMENTS Leases LEASES Deposits [Abstract] DEPOSITS Debt Disclosure [Abstract] SHORT-TERM BORROWINGS Income Tax Disclosure [Abstract] INCOME TAXES Commitments and Contingencies Disclosure [Abstract] COMMITMENTS AND CONTINGENCIES Related Party Transactions [Abstract] RELATED PARTY TRANSACTIONS Other Income and Expenses [Abstract] OTHER EXPENSE Share-based Payment Arrangement [Abstract] STOCK INCENTIVE PLANS Employee Stock Ownership Plan And Trust EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST Dividends DIVIDENDS Earnings Per Share [Abstract] INCOME PER COMMON SHARE Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract] REGULATORY CAPITAL REQUIREMENTS Fair Value Disclosures [Abstract] DISCLOSURES REGARDING FAIR VALUE OF FINANCIAL INSTRUMENTS Condensed Financial Information Disclosure [Abstract] BANK OF SOUTH CAROLINA CORPORATION - PARENT COMPANY Quarterly Financial Information Disclosure [Abstract] QUARTERLY RESULTS OF OPERATIONS (UNAUDITED) Principles of Consolidation Accounting Estimates and Assumptions Reclassification Subsequent Events Cash and Cash Equivalents Interest-bearing Deposits at the Federal Reserve Investment Securities Mortgage Loans to be Sold Loans and Allowance for Loan Losses Concentration of Credit Risk Premises, Equipment and Leasehold Improvements and Depreciation Leases Income Taxes Stock-Based Compensation Income Per Common Share Segment Information Interest Rate Lock Commitments and Forward Sale Contracts Recent Accounting Pronouncements The amortized cost and fair value of investment securities available for sale are summarized as follows. The amortized cost and estimated fair value of investment securities available for sale at December 31, 2021 and 2020, by contractual maturity are in the following table. The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2021 and 2020. The table below shows the proceeds received from sales of securities available for sale and gross realized gains and losses. Major classifications of loans The following tables illustrate credit risks by category and internally assigned grades at December 31, 2021 and 2020. The following tables include an aging analysis of the recorded investment in loans segregated by class. The following table summarizes the balances of non-accrual loans. The following tables set forth the changes in the allowance and an allocation of the allowance by class at December 31, 2021, 2020, and 2019. The following tables present, by class and reserving methodology, the allocation of the allowance for loan losses and the gross investment in loans. As of December 31, 2021 and 2020, loans individually evaluated for impairment and the corresponding allowance for loan losses are presented in the following table. The following table presents average impaired loans and interest income recognized on those impaired loans, by class segment, for the periods indicated. Our loans were concentrated in the following categories. Premises, equipment and leasehold improvements are summarized in the table below. Minimum rental commitments for these leases as of December 31, 2021 are presented in the table below. The table below shows lease expense components for the year ended December 31, 2021 and 2020. The scheduled maturities of certificates of deposit as of December 31, 2021 are presented in the table below Total income taxes for the years ended December 31, 2021, 2020 and 2019 are presented in the table below. Income tax expense was as follows: The differences between actual income tax expense and the amounts computed by applying the U.S. federal income tax rate of 21% to pretax income from continuing operations for the periods indicated are reconciled in the table below. The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020 are presented below. The table below summarizes related party loans. The table below summarizes the components of other operating expense. The fair value of options granted was determined using the following weighted-average assumptions as of grant date: The following table presents a summary of the activity under the 2010, 2020 and 2021 Stock Incentive Plans for the years ended December 31: The following table presents information pertaining to options outstanding at December 31, 2021. The following table is a summary of the reconciliation of weighted average shares outstanding for the years ended December 31: The following table presents the actual CBLR for the Bank and Company at: The following table presents information about assets measured at fair value on a recurring basis as of December 31, 2021 and 2020. The following table reconciles the changes in assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2021 and 2020. The following tables present information about certain assets measured at fair value on a nonrecurring basis as of December 31, 2021 and 2020. The following table provides information describing the unobservable inputs used in Level 3 fair value measurements at December 31, 2021: The following tables present the carrying amount, fair value, and placement in the fair value hierarchy of our financial instruments as of December 31, 2021 and 2020, respectively Condensed Statements of Financial Condition Condensed Statements of Income Condensed Statements of Cash Flows The tables below represent the quarterly results of operations for the years ended December 31, 2021 and 2020, respectively: Impaired loan minimum amount recorded at fair value Useful life (in years) Number of segments Marketable Securities [Table] Marketable Securities [Line Items] Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Due in one year or less, amortized cost Due in one year or less, estimated fair value Due in one year to five years, amortized cost Due in one year to five years, estimated fair value Due in one year to five years, amortized cost Due in five years to ten years, estimated fair value Due in ten years and over, amortized cost Due in ten years and over, estimated fair value Total, amortized cost Total, estimated fair value Number of positions, less than 12 months Fair Value, less than 12 months Gross Unrealized Losses, less than 12 months Number of positions, 12 months or longer Fair Value, 12 months or longer Gross Unrealized Losses, 12 months or longer Number of positions Fair value Gross Unrealized Losses Gross proceeds Gross realized gains Gross realized losses Investment securities pledged to secure deposits, fair value Gains on sale of investments, tax Schedule of Accounts, Notes, Loans and Financing Receivable [Table] Accounts, Notes, Loans and Financing Receivable [Line Items] Deferred loan fees Loans pledged as collateral to secure funding with the Federal Reserve Bank Loans to be issued under CARES Act Loans fixed rate Loans term Guarantee of loan by SBA (percent) Processing fee of SBA loans percentage Processing fees received Processing fees recognized Additional funding of loans to be issued under CARES Act Bank funding amount Bank funding number of customers Restructured loans number Restructured loans amount Number of loans charged off Loan charged off Recovery of loan Principal deferments amount Principal deferments number of customers Loan balance of principal deferred loans Principal deferments percentage of portfolio Principal deferments number classified as TDRs Loan balance of principal deferred loans classified as TDRs Number of loans removed from TDR status Number of loans refinanced Number of loans paid off Principal deferments number of customers not classified as troubled debt restructuring Principal deferments number of customers not classified as troubled debt restructuring paid in full Principal deferment loans not classified as troubled debt restructuring paid in full Allowance for loan losses Loans, net Financing Receivable, Credit Quality Indicator [Table] Financing Receivable, Credit Quality Indicator [Line Items] Financing Receivable, Past Due [Table] Financing Receivable, Past Due [Line Items] Non-accrual loans receivable Allowance for Loan Losses Beginning Balance Charge-offs Recoveries Provisions Ending Balance Allowance for Loan Losses Individually evaluated for impairment Collectively evaluated for impairment Total Allowance for Loan Losses Loans Receivable Individually evaluated for impairment Collectively evaluated for impairment Total Loans Receivable Impaired Loans with no related allowance recorded Unpaid Principal Balance with no related allowance recorded Recorded Investment with no related allowance recorded Impaired Loans with an allowance recorded Unpaid Principal Balance with an allowance recorded Recorded Investment with an allowance recorded Related Allowance Total Impaired Loans Impaired Financing Receivable, Unpaid Principal Balance, Total Impaired Financing Receivable, Recorded Investment, Total Related Allowance With no related allowance recorded: Average Recorded Investment with no related allowance recorded Interest Income Recognized with no related allowance recorded With an allowance recorded: Average Recorded Investment with an allowance recorded Interest Income Recognized with an allowance recorded Interest Income Recognized with an allowance recorded Total Average Recorded Investment Interest Income Recognized Concentration Risk [Table] Concentration Risk [Line Items] Concentration of credit risk Property, Plant and Equipment [Table] Property, Plant and Equipment [Line Items] Premises, equipment and leasehold improvements, gross Accumulated depreciation Total Depreciation Lessee, Lease, Description [Table] Lessee, Lease, Description [Line Items] Operating Lease, Right-of-Use Asset Operating Lease, Liability Renewal terms Weighted average remaining lease term Weighted average incremental borrowing rate Rent expense Minimum Rental Commitments For These Leases As Of December 31 2021 Are Presented In Table Below. 2022 2023 2024 2025 2026 and thereafter Total undisclosed lease payments Less: effect of discounting Present value of estimated lease payments Table Below Shows Lease Expense Components For Year Ended December 31 2021 And 2020. Operating lease expense Short-term lease expense Total lease expense 2022 2023 2024 2025 2026 Total Certificates of deposit over $250,000 Deposits with deficit balance reclassified as other loans Line of Credit Facility [Table] Line of Credit Facility [Line Items] Line of credit maximum borrowing capacity Unused balance of line of credit Unrealized gains (losses) on securities available for sale presented in accumulated other comprehensive income (loss) Total Current income taxes Federal State Total current tax expense Deferred income tax (benefit) expense Total income tax expense Computed “expected” tax expense Increase (reduction) in income taxes resulting from: Amortization of credit and gain Stock based compensation Valuation allowance Other State income tax, net of federal benefit Tax exempt interest income Deferred tax assets: Allowance for loan losses State credit carryforward Deferred loan fees Passthrough income State net operating loss carryforward Nonaccrual interest Other Total gross deferred tax assets Valuation allowance Total gross deferred tax assets, net of valuation allowance Deferred tax liabilities: Fixed assets, principally due to differences in depreciation Unrealized (gain) loss on securities available for sale State credit carryforward Prepaid expenses Other Total deferred tax liabilities Net deferred tax (liability) Net deferred tax asset Deferred tax asset, valuation allowance Other Commitments [Table] Other Commitments [Line Items] Commitments to extend credit Undiscounted future payments related to standby letters of credit Balance at beginning of the year New loans or advances Repayments Balance at the end of the year Deposits held by related parties Telephone and postage State and FDIC insurance and fees Supplies Courier service Insurance Advertising and business development Amortization of federal tax credit Other Total other operating expenses Risk free interest rate Expected life (in years) Expected stock price volatility Dividend yield Outstanding, beginning Outstanding, beginning Granted Granted Exercised Exercised Forfeited Forfeited Outstanding, ending Outstanding, ending Exercisable at year end Exercisable at year end Share-based Payment Arrangement, Option, Exercise Price Range [Table] Share-based Payment Arrangement, Option, Exercise Price Range [Line Items] Exercise Price Number of Options Outstanding Weighted Average Remaining Contractual Life Weighted Average Exercise Price of Options Outstanding Intrinsic Value of Options Outstanding Number of Options Exercisable Weighted Average Exercise Price of Options Exercisable Intrinsic Value of Options Exercisable Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table] Share-based Compensation Arrangement by Share-based Payment Award [Line Items] Number of stock incentive plans Number of shares authorized under stock incentive plan Number of stock dividends affecting stock plans Stock dividends for share adjustment of plans (percent) Percentage of options vesting Number of independent directors Number of options granted to each director Options exercise price Intrinsic value of options exercised Stock-based compensation expense Unrecognized compensation cost Period for unrecognized compensation cost to be recognized Schedule of Employee Stock Ownership Plan (ESOP) Disclosures [Table] Employee Stock Ownership Plan (ESOP) Disclosures [Line Items] Minimum age requirement Hours of service Stock-based compensation expense Number of common shares the plan currently owns Service period Vested percentage Dividends paid to parent by subsidiaries Weighted average shares outstanding Effect of dilutive shares Weighted average shares outstanding - diluted Earnings per share - basic Earnings per share - diluted Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table] Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] CBLR Tier 1 capital to risk-weighted assets ratio Common equity Tier 1 capital conservation buffer, percentage of risk-weighted assets Minimum ratio of Tier 1 capital to risk-weighted assets Minimum leverage ratio Assets Off-balance sheet exposure percentage Trading assets and liabilities percentage Fair Value, Recurring and Nonrecurring [Table] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Investment securities available for sale Beginning balance Total realized/unrealized gains (losses) Included in earnings Included in other comprehensive (loss) income Purchases, issuances, and settlements net of maturities Transfers in and/or out of Level 3 Ending balance Impaired loans Mortgage loans to be sold Total Fair Value Measurement Inputs and Valuation Techniques [Table] Fair Value Measurement Inputs and Valuation Techniques [Line Items] Impaired loans Fair Value, by Balance Sheet Grouping [Table] Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] Cash and due from banks Interest-bearing deposits at the Federal Reserve Mortgage loans to be sold Loans, net Accrued interest receivable Demand deposits Time deposits Accrued interest payable Condensed Financial Statements [Table] Condensed Financial Statements, Captions [Line Items] Assets Cash Investment in wholly-owned bank subsidiary Liabilities and shareholders’ equity Other liabilities Shareholders’ equity Interest income Net operating expenses Dividends received fom bank Equity in undistributed earnings of subsidiary Equity in undistributed earnings of subsidiary Decrease in other assets Increase in other liabilities Dividends paid Net (decrease) increase in cash Cash at the beginning of the year Cash at the end of the year Supplemental disclosure for non-cash investing and financing activity Total interest and fee income Total interest expense Net interest income Net interest income after provision for loan losses Total other income Total other expense Income before income tax expense Carrying amount of securities pledged to secure deposits and repurchase agreements. Tabular disclosure of the allocation of the allowance for loan losses and gross investment in loans. Tabular disclosure of average impaired loans and interest income recognized on impaired loans. Member stands for paycheck protection program. Member represent commercial real estate construction financing receivables. Member represent commercial real estate other. Member represent consumer other. A category of financing receivables that are considered under the category of watch. Fair value portion of impaired loans receivable. Fair value portion of interest-bearing deposits at Federal Reserve. Fair value portion of accrued interest receivable. Fair value portion of deposit liabilities held by the entity of demand deposits. Fair value portion of deposit liabilities held by the entity, time deposits. Fair value portion of accrued interest payable. Value of input used to measure impaired loans. Amount of allowance for credit losses related to recorded investment. The Coronavirus Aid, Relief, and Economic Security Act was signed into law, which established the Paycheck Protection Program and the allocated amount of loans to be issued by financial institutions. Number of restructured loans as of the balance sheet date. The amount of principal deferments. The number of customers that received principal deferments during the period. The aggregate loan balance of loans that received principal deferments during the period. It represents the principal deferments percentage of portfolio. The PPP/HCEA Act authorized additional funding under the CARES Act amount. The amount of funding provided to customers as of the balance sheet date. The number of customers that received funding as of the balance sheet date. The amount of loan processing fees recognized during the period. The amount of change in right of use assets and lease liability. Interest only loans. The aggregate amount of certificates of deposits liabilities of $250,000 or more. Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from nontransaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (9) issuing stop payment orders; (10) certifying checks; (11) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department; and (12) penalties assessed on the early withdrawal of time deposits. Excludes amounts charged depositors for use of automated teller machines or remote service units. The noninterest income derived from mortgage banking activities. Includes fees earned from servicing held in portfolio loans as well as loans sold in the secondary market, gains and losses on the sale of mortgage loans to investors, activities related to mortgage servicing rights, and gains and losses resulting from mortgage-related derivative financial instruments. The increase (decrease) during the reporting period in interest payable and increase (decrease) in operating liabilities classified as other. Represents the change in unrealized gain on securities available for sale, net of income taxes. The amount of change in dividends payable in a noncash financing activity. Guarantee of loan by sba percentage. Percentage of processing fee of SBA loans. The aggregate amount of domestic or foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) that total to less than $250,000. Tabular disclosure of the combined aggregate amount of maturities for all deposit liabilities for each of the five years following the date of the latest balance sheet date presented. The entire disclosure of the employee stock ownership plan and trust. The entire disclosure of dividends. The minimum amount of impaired loans recorded at fair value. Amount of current income tax expense (benefit) and amount of tax expense (benefit) allocated to other comprehensive income (loss). Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary differences, classified as pass through income. Amount, before allocation of valuation allowance, of deferred tax asset attributable to deductible temporary differences, classified as nonaccrual interest. Amount of deferred tax liability attributable to deductible temporary differences from unrealized gains (losses) on available-for-sale securities. Reflects the unfunded portion of contractual agreements to lend funds to borrowers including unused lines of credit. Represents unfunded maximum potential amount of undiscounted future payments related to standby letters of credit. Amount of expense associated with telephone and postage. Amount of expense associated with state and FDIC insurance and associated fees. Amount of expense associated with courier service. Amount of expense associated with insurance. The amount of amortization of federal tax credits during the periods reported. Omnibus Stock Incentive Plan 2010. Distributions of earnings to shareholders of capital stock. Vesting after five years. Vesting each year thereafter. Percent of stock dividends that affect authorized shares under the stock plan. Exercise Price 1 [Member]. Exercise Price 2 [Member]. Exercise Price 3 [Member]. Exercise Price 4 [Member]. Exercise Price 5 [Member]. Exercise Price 6 [Member]. Exercise Price 7 [Member]. Exercise Price 8 [Member]. Exercise Price 9 [Member]. Exercise Price 10 [Member]. Exercise Price 11 [Member]. The number of hours of service to participate in the ESOP. Employee Stock Ownership Plan ESOP Plan The minimum age requirement to participate in the ESOP. Fourth portion of award under share-based payment arrangement differentiated by vesting feature, including, but not limited to, performance measure or service period. Fifth portion of award under share-based payment arrangement differentiated by vesting feature, including, but not limited to, performance measure or service period. The community bank leverage ratio as defined by regulatory framework. Community Bank Leverage Ratio framework. Off-balance sheet exposures as a percentage of total consolidated assets for qualifying community banking organizations. Trading assets and liabilities as a percentage of total consolidated assets for qualifying community banking organizations. Basel III regulatory framework. Pre-Basel III regulatory framework. Aggregate dividends declared to parent from bank during the period. Represents equity in undistributed income of subsidiaries. The increase (decrease) during the reporting period in interest receivable and other assets. Amount of interest income net, recognized on accrual basis, on financing receivables, for which there is a related allowance for credit losses and are recognized as impaired. Amount, before allocation of a valuation allowances, of deferred tax assets (liabilities) attributable to deductible tax credit carryforwards including, but not limited to, research, foreign, general business, alternative minimum tax, and other deductible tax credit carryforwards. Tabular disclosure of the income tax expense (benefit). Number of financing receivables that have been removed from troubled debt restructuring status. Number of financing receivables that have been paid off from troubled debt restructuring status. Number of financing receivables that have been refinanced from troubled debt restructuring status. The number of customers that received principal deferments during the period that were not classified as troubled debt restructurings. The number of customers that received principal deferments not classified as troubled debt restructurings whose loans have been paid in full. The amount of loans that received principal deferments not classified as troubled debt restructurings paid in full. CARES Act. The number of stock incentive plans. The number of stock dividends that affect authorized shares under the stock plan. Omnibus Stock Incentive Plan 2020. Stock Incentive Plan 2021. Vesting Each Year [Member] The number of independent directors. The number of options granted to each director. Amount of deferred tax liability attributable to state credit carryforward. 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Cover - USD ($)
 12 Months Ended
Dec. 31, 2021
Feb. 24, 2022
Jun. 30, 2021
Cover [Abstract]      
Document Type 10-K    
Amendment Flag false    
Document Annual Report true    
Document Transition Report false    
Document Period End Date Dec. 31, 2021    
Document Fiscal Period Focus FY    
Document Fiscal Year Focus 2021    
Current Fiscal Year End Date --12-31    
Entity File Number 0-27702    
Entity Registrant Name BANK OF SOUTH CAROLINA CORPORATION    
Entity Central Index Key 0001007273    
Entity Tax Identification Number 57-1021355    
Entity Incorporation, State or Country Code SC    
Entity Address, Address Line One 256 Meeting Street    
Entity Address, City or Town Charleston    
Entity Address, State or Province SC    
Entity Address, Postal Zip Code 29401    
City Area Code (843)    
Local Phone Number 724-1500    
Title of 12(b) Security Common stock    
Trading Symbol BKSC    
Security Exchange Name NASDAQ    
Entity Well-known Seasoned Issuer No    
Entity Voluntary Filers No    
Entity Current Reporting Status Yes    
Entity Interactive Data Current Yes    
Entity Filer Category Non-accelerated Filer    
Entity Small Business true    
Entity Emerging Growth Company false    
Entity Shell Company false    
Entity Public Float     $ 73,575,011
Entity Common Stock, Shares Outstanding   5,543,976  
Auditor Name Elliott Davis, LLC    
Auditor Location Greenville, South Carolina    
Auditor Firm ID 149    

XML 20 R2.htm IDEA: XBRL DOCUMENT v3.22.0.1
CONSOLIDATED BALANCE SHEETS - USD ($)
Dec. 31, 2021
Dec. 31, 2020
ASSETS    
Cash and due from banks $ 11,140,559 $ 5,977,896
Interest-bearing deposits at the Federal Reserve 128,971,429 42,348,085
Investment securities available for sale (amortized cost of $215,047,451 and $132,706,063 in 2021 and 2020, respectively) 212,347,489 134,819,818
Mortgage loans to be sold 2,774,388 12,965,733
Loans 306,632,229 320,802,673
Less: Allowance for loan losses (4,376,987) (4,185,694)
Net loans 302,255,242 316,616,979
Premises, equipment and leasehold improvements, net 3,782,936 4,053,533
Right of use asset 14,041,843 12,730,151
Accrued interest receivable 1,404,227 1,595,629
Other assets 2,502,533 1,386,775
Total assets 679,220,646 532,494,599
Deposits:    
Non-interest bearing demand 255,783,644 169,170,751
Interest bearing demand 165,335,038 140,602,723
Money market accounts 98,113,942 84,681,783
Time deposits $250,000 and over 7,417,864 4,493,189
Other time deposits 13,870,356 16,205,942
Other savings deposits 68,670,732 47,043,243
Total deposits 609,191,576 462,197,631
Accrued interest payable and other liabilities 2,069,594 2,586,461
Lease liability 14,041,843 12,730,151
Total liabilities 625,303,013 477,514,243
Shareholders’ equity    
Additional paid in capital 47,745,285 47,404,869
Retained earnings 11,122,710 8,693,519
Treasury stock: 299,974 shares as of December 31, 2021 and 298,466 shares as of December 31, 2020 (2,817,392) (2,787,898)
Accumulated other comprehensive income (loss), net of income taxes (2,132,970) 1,669,866
Total shareholders’ equity 53,917,633 54,980,356
Total liabilities and shareholders’ equity $ 679,220,646 $ 532,494,599
XML 21 R3.htm IDEA: XBRL DOCUMENT v3.22.0.1
CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Statement of Financial Position [Abstract]    
Amortized cost of investment securities available for sale $ 215,047,451 $ 132,706,063
Common stock, no par value (in dollars per share) $ 0 $ 0
Common stock, authorized 12,000,000 12,000,000
Common stock, issued 5,841,240 5,818,935
Common stock, outstanding 5,541,266 5,520,469
Treasury stock, shares 299,974 298,466
XML 22 R4.htm IDEA: XBRL DOCUMENT v3.22.0.1
CONSOLIDATED STATEMENTS OF INCOME - USD ($)
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Interest and fee income      
Loans, including fees $ 15,285,012 $ 15,055,981 $ 15,994,290
Taxable securities 1,849,347 1,628,753 1,617,471
Tax-exempt securities 313,443 370,998 570,623
Other 103,309 184,024 729,868
Total interest and fee income 17,551,111 17,239,756 18,912,252
Interest expense      
Deposits 174,000 305,414 815,171
Total interest expense 174,000 305,414 815,171
Net interest income 17,377,111 16,934,342 18,097,081
Provision for loan losses 120,000 240,000 180,000
Net interest income after provision for loan losses 17,257,111 16,694,342 17,917,081
Other income      
Service charges and fees 1,254,699 1,094,985 1,175,657
Mortgage banking income 2,314,106 2,267,406 940,671
Gain on sales of securities, net 266,944 10,002 50,707
Other non-interest income 32,482 32,508 31,574
Total other income 3,868,231 3,404,901 2,198,609
Other expense      
Salaries and employee benefits 7,437,787 7,219,005 6,809,258
Net occupancy expense 2,428,082 2,216,727 1,623,590
Data processing fees 622,536 646,590 607,467
Professional expenses 395,115 345,126 324,628
Other operating expenses 1,425,454 1,245,485 1,257,040
Total other expense 12,308,974 11,672,933 10,621,983
Income before income tax expense 8,816,368 8,426,310 9,493,707
Income tax expense 2,071,503 1,965,679 2,175,274
Net income $ 6,744,865 $ 6,460,631 $ 7,318,433
Weighted average shares outstanding      
Basic 5,531,518 5,526,948 5,522,025
Diluted 5,680,482 5,678,543 5,588,090
Basic income per common share $ 1.22 $ 1.17 $ 1.33
Diluted income per common share $ 1.19 $ 1.14 $ 1.31
XML 23 R5.htm IDEA: XBRL DOCUMENT v3.22.0.1
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($)
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Income Statement [Abstract]      
Net income $ 6,744,865 $ 6,460,631 $ 7,318,433
Other comprehensive (loss) income      
Unrealized (loss) gain on securities arising during the period (4,546,773) 1,512,600 2,911,491
Reclassification adjustment for securities gains realized in net income (266,944) (10,002) (50,707)
Other comprehensive (loss) income before tax (4,813,717) 1,502,598 2,860,784
Income tax effect related to items of other comprehensive (loss) income before tax 1,010,881 (315,546) (600,765)
Other comprehensive (loss) income after tax (3,802,836) 1,187,052 2,260,019
Total comprehensive income $ 2,942,029 $ 7,647,683 $ 9,578,452
XML 24 R6.htm IDEA: XBRL DOCUMENT v3.22.0.1
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY - USD ($)
Common Stock [Member]
Additional Paid-in Capital [Member]
Retained Earnings [Member]
Treasury Stock [Member]
AOCI Attributable to Parent [Member]
Total
Beginning balance at Dec. 31, 2018   $ 46,857,734 $ 2,650,296 $ (2,268,264) $ (1,777,205) $ 45,462,561
Beginning balance (in shares) at Dec. 31, 2018 5,510,917          
Net income   7,318,433 7,318,433
Other comprehensive gain (loss)   2,260,019 2,260,019
Stock option exercises, net of surrenders   195,247 (56,961) $ 138,286
Stock option exercises, net of surrenders (in shares) 19,084         22,163
Stock-based compensation expense   78,053 $ 78,053
Cash dividends   (4,089,320) (4,089,320)
Ending balance at Dec. 31, 2019   47,131,034 5,879,409 (2,325,225) 482,814 51,168,032
Ending balance (in shares) at Dec. 31, 2019 5,530,001          
Net income   6,460,631 6,460,631
Other comprehensive gain (loss)   1,187,052 1,187,052
Stock option exercises, net of surrenders   180,849 (63,805) $ 117,044
Stock option exercises, net of surrenders (in shares) 15,535         19,298
Stock-based compensation expense   92,986 $ 92,986
Repurchase of common shares   (398,868) (398,868)
Repurchase of common shares (in shares) (25,067)          
Cash dividends   (3,646,521) (3,646,521)
Ending balance at Dec. 31, 2020   47,404,869 8,693,519 (2,787,898) 1,669,866 $ 54,980,356
Ending balance (in shares) at Dec. 31, 2020 5,520,469         5,520,469
Net income   6,744,865 $ 6,744,865
Other comprehensive gain (loss)   (3,802,836) (3,802,836)
Stock option exercises, net of surrenders   237,383 (29,494) $ 207,889
Stock option exercises, net of surrenders (in shares) 20,797         22,305
Stock-based compensation expense   103,033 $ 103,033
Cash dividends   (4,315,674) (4,315,674)
Ending balance at Dec. 31, 2021   $ 47,745,285 $ 11,122,710 $ (2,817,392) $ (2,132,970) $ 53,917,633
Ending balance (in shares) at Dec. 31, 2021 5,541,266         5,541,266
XML 25 R7.htm IDEA: XBRL DOCUMENT v3.22.0.1
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Statement of Stockholders' Equity [Abstract]      
Cash dividends (per share) $ 0.78 $ 0.66 $ 0.74
XML 26 R8.htm IDEA: XBRL DOCUMENT v3.22.0.1
CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Cash flows from operating activities:      
Net income $ 6,744,865 $ 6,460,631 $ 7,318,433
Adjustments to reconcile net income to net cash provided by operating activities:      
Depreciation expense 412,866 421,040 230,377
Gain on sale of investment securities (266,944) (10,002) (50,707)
Provision for loan losses 120,000 240,000 180,000
Stock-based compensation expense 103,033 92,986 78,053
Deferred income taxes (46,751) (422,345) 432,844
Net amortization of unearned discounts on investment securities available for sale 592,357 362,159 247,624
Origination of mortgage loans held for sale (163,176,146) (181,781,058) (67,783,219)
Proceeds from sale of mortgage loans held for sale 173,367,491 173,877,723 63,920,259
Decrease (increase) in accrued interest receivable and other assets 133,276 (38,312) (221,400)
(Decrease) increase in accrued interest payable and other liabilities (520,403) 1,089,165 91,204
Net cash provided by operating activities 17,463,644 291,987 4,443,468
Cash flows from investing activities:      
Proceeds from calls and maturities of investment securities available for sale 36,967,000 23,491,000 9,356,835
Proceeds from sale of investment securities available for sale 15,572,500 11,550,000 30,412,250
Purchase of investment securities available for sale (135,206,301) (68,260,421) (17,886,300)
Net decrease (increase) in loans 14,241,737 (46,788,177) 201,134
Purchase of premises, equipment, and leasehold improvements, net (142,269) (184,138) (2,185,605)
Net cash (used in) provided by investing activities (68,567,333) (80,191,736) 19,898,314
Cash flows from financing activities:      
Net increase (decrease) in deposit accounts 146,993,945 83,005,976 (3,186,733)
Dividends paid (4,312,138) (3,592,841) (4,031,157)
Repurchase of common shares (398,868)
Stock options exercised 207,889 117,044 138,286
Net cash provided by (used in) financing activities 142,889,696 79,131,311 (7,079,604)
Net increase (decrease) in cash and cash equivalents 91,786,007 (768,438) 17,262,178
Cash and cash equivalents at the beginning of the period 48,325,981 49,094,419 31,832,241
Cash and cash equivalents at the end of the period 140,111,988 48,325,981 49,094,419
Cash paid during the period for:      
Interest 179,793 323,455 940,299
Income taxes 2,845,420 814,052 1,761,574
Supplemental disclosures for non-cash investing and financing activity:      
Change in unrealized gain or loss on securities available for sale, net of income taxes (3,802,836) 1,187,052 2,260,019
Change in dividends payable 3,536 53,680 58,163
Right of use assets obtained in exchange for lease obligation 1,825,793 13,519,027
Change in right of use assets and lease liabilities $ 514,101 $ 479,066 $ 309,810
XML 27 R9.htm IDEA: XBRL DOCUMENT v3.22.0.1
ORGANIZATION
 12 Months Ended
Dec. 31, 2021
Accounting Policies [Abstract]  
ORGANIZATION

 

1.ORGANIZATION

 

The Bank of South Carolina (the “Bank”) was organized on October 22, 1986 and opened for business as a state-chartered financial institution on February 26, 1987, in Charleston, South Carolina. The Bank was reorganized into a wholly-owned subsidiary of Bank of South Carolina Corporation (the “Company”), effective April 17, 1995. At the time of the reorganization, each outstanding share of the Bank was exchanged for two shares of Bank of South Carolina Corporation Stock.
XML 28 R10.htm IDEA: XBRL DOCUMENT v3.22.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
 12 Months Ended
Dec. 31, 2021
Accounting Policies [Abstract]  
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

 

2.SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

 

Our accounting and reporting policies conform, in all material respects, to U.S. generally accepted accounting principles (“GAAP”), and to general practices within the banking industry. The following summarizes the more significant of these policies and practices.

 

Principles of Consolidation:  

The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, the Bank. In consolidation, all significant intercompany balances and transactions have been eliminated.

 

References to “we,” “us,” “our,” “the Bank,” or “the Company” refer to the parent and its subsidiary that are consolidated for financial reporting purposes.

 

Accounting Estimates and Assumptions:  

The financial statements are prepared in conformity with GAAP, which require management to make estimates and assumptions. These estimates and assumptions affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reported periods. Actual results could differ significantly from these estimates and assumptions. Material estimates generally susceptible to significant change are related to the determination of the allowance for loan losses, impaired loans, other real estate owned, deferred tax assets, the fair value of financial instruments and other-than-temporary impairment of investment securities.

 

Reclassification:  

Certain amounts in the prior years’ financial statements have been reclassified to conform to the current year’s presentation. Such reclassifications have no effect on shareholders’ equity or the net income as previously reported.

 

Subsequent Events:  

Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed as of the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist as of the date of the balance sheet but arose after that date. We have reviewed events occurring through the date the financial statements were available to be issued and no subsequent events occurred requiring accrual or disclosure.

 

Cash and Cash Equivalents:  

Cash and cash equivalents include working cash funds, due from banks, interest-bearing deposits at the Federal Reserve, items in process of collection and federal funds sold. All cash equivalents are readily convertible to cash and have maturities of less than 90 days.

 

Depository institutions are required to maintain reserve and clearing balances at the Federal Reserve Bank. Vault cash satisfied our daily reserve requirement for the years ended December 31, 2021 and 2020.  

 

Interest-bearing Deposits at the Federal Reserve:  

Interest-bearing deposits at the Federal Reserve mature daily and are carried at cost.

 

Investment Securities:  

We classify investments into three categories: (1) Held to Maturity - debt securities that we have the positive intent and ability to hold to maturity, which are reported at amortized cost, adjusted for the amortization of any related premiums or the accretion of any related discounts into interest income using a methodology which approximates a level yield of interest over the estimated remaining period until maturity; (2) Trading - debt securities that are bought and held principally for the purpose of selling them in the near term, which are reported at fair value, with unrealized gains and losses included in earnings; and (3) Available for Sale - debt securities that may be sold under certain conditions, which are reported at fair value, with unrealized gains and losses excluded from earnings and reported as a separate component of shareholders’ equity, net of income taxes. Unrealized losses on securities due to fluctuations in fair value are recognized when it is determined that an other than temporary decline in value has occurred.

 

Realized gains or losses on the sale of investments are recognized on a specific identification, trade date basis. All securities were classified as available for sale for 2021 and 2020.

 

Mortgage Loans to be Sold:  

We originate fixed and variable rate residential mortgage loans on a service release basis in the secondary market. Loans closed but not yet settled with an investor are carried in our loans to be sold portfolio.   Virtually all of these loans have commitments to be purchased by investors and the majority of these loans were locked in by price with the investors on the same day or shortly thereafter that the loan was locked in with our customers.  Therefore, these loans present very little market risk.  We usually deliver to, and receive funding from, the investor within 30 to 60 days.  Commitments to sell these loans to the investor are considered derivative contracts and are sold to investors on a “best efforts” basis. We are not obligated to deliver a loan or pay a penalty if a loan is not delivered to the investor. Because of the short-term nature of these derivative contracts, the fair value of the mortgage loans to be sold in most cases is materially the same as the value of the loan amount at its origination.

 

Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated market value in the aggregate. Net unrealized losses are provided for in a valuation allowance by charges to operations as a component of mortgage banking income. Gains or losses on sales of loans are recognized when control over these assets are surrendered and are included in mortgage banking income in the consolidated statements of income.

 

Loans and Allowance for Loan Losses:   

Loans are carried at principal amounts outstanding. Loan origination fees, net of certain direct origination costs, are deferred and recognized over the weighted average life of the loan as an adjustment to yield. Interest income on all loans is recorded on an accrual basis. The accrual of interest and the amortization of net loan fees are generally discontinued on loans that 1) are maintained on a cash basis because of deterioration in the financial condition of the borrower; 2) the payment of full principal is not expected; or 3) the principal or interest has been in default for a period of 90 days or more. We define past due loans based on contractual payment and maturity dates.

 

The accrual of interest is generally discontinued on loans that become 90 days past due as to principal or interest. The accrual of interest on some loans may continue even though they are 90 days past due if the loans are well secured or in the process of collection and management deems it appropriate. If non-accrual loans decrease their past due status to less than 30 days for a period of six to nine months, they are reviewed individually by management to determine if they should be returned to accrual status.

 

When the ultimate collectability of an impaired loan’s principal is in doubt, wholly or partially, all cash receipts are applied to principal. Once the recorded principal balance has been reduced to zero, future cash receipts are applied to interest income, to the extent that any interest has been foregone. Further cash receipts are recorded as recoveries of any amounts previously charged off. When this doubt does not exist, cash receipts are applied under the contractual terms of the loan agreement first to interest income and then to principal.  

 

We account for impaired loans by requiring that all loans (greater than $50,000) where it is estimated that we will be unable to collect all amounts due according to the terms of the loan agreement be recorded at the loan’s fair value. Fair value may be determined based upon the present value of expected future cash flows discounted at the loan’s effective interest rate, or the fair value of the collateral less cost to sell, if the loan is collateral dependent.

 

Additional accounting guidance allows us to use existing methods for recognizing interest income on an impaired loan. The guidance also requires additional disclosures about how we estimate interest income related to our impaired loans.

 

A loan is also considered impaired if its terms are modified in a troubled debt restructuring (“TDR”). For this type of impaired loan, cash receipts are typically applied to principal and interest receivable in accordance with the terms of the restructured loan agreement. Interest income is recognized on these loans using the accrual method of accounting, provided they are performing in accordance with their restructured terms.

 

The allowance for loan losses (the “allowance”) is our estimate of credit losses inherent in the loan portfolio. The allowance is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when we believe the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance is evaluated on a regular basis and is based upon our periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.

 

We believe that the allowance is adequate to absorb inherent losses in the loan portfolio; however, there can be no assurance that loan losses in future periods will not exceed the current allowance amount or that future increases in the allowance will not be required. No assurance can be given that our ongoing evaluation of the loan portfolio, in light of changing economic conditions and other relevant circumstances, will not require significant future additions to the allowance, thus adversely affecting our operating results.

 

The allowance is also subject to examination by regulatory agencies, which may consider factors such as the methodology used to determine adequacy and the size of the allowance relative to that of peer institutions and other adequacy tests. In addition, such regulatory agencies could require us to adjust our allowance based on information available at the time of the examination.

 

The methodology used to determine the reserve for unfunded lending commitments, which is included in other liabilities, is inherently similar to the methodology used to determine the allowance adjusted for factors specific to binding commitments, including the probability of funding and historical loss ratio.

 

Concentration of Credit Risk:  

Our primary market consists of the counties of Berkeley, Charleston and Dorchester, South Carolina. As of December 31, 2021, the majority of the total loan portfolio, as well as a substantial portion of the commercial and real estate loan portfolios, were to borrowers within this region. No other areas of significant concentration of credit risk have been identified.

 

Premises, Equipment and Leasehold Improvements and Depreciation:  

Land is carried at cost. Buildings and equipment are stated at cost less accumulated depreciation. Depreciation is recorded using the straight-line method for financial reporting purposes and accelerated methods for income tax purposes over the estimated useful lives of the assets ranging from 40 years for buildings and 3 to 15 years for equipment. Leasehold improvements are amortized over the shorter of the asset’s useful life or the remaining lease term, including renewal periods when reasonably assured. The cost of maintenance and repairs is charged to operating expense as incurred.

 

Leases:

In accordance with ASU 2016-02, the Company determines if a contractual arrangement is a lease at inception. Operating leases are included in the operating right of use (“ROU”) assets and current operating lease liabilities on the Company’s consolidated balance sheet. ROU assets represent the Company’s right to use an underlying asset for the lease term and lease liabilities represent the Company’s obligation to make lease payments arising from the lease. Currently, the Company does not have any finance leases.

 

Beginning January 1, 2019, operating lease ROU assets and lease liabilities are recognized at the commencement of the lease based on the present value of lease payments over the lease term. The lease payments included in the present value are fixed payments and index-based variable lease payments. The Company estimates the incremental borrowing rate, based on information available at the commencement of the lease, as most of the Company’s leases do not include an implicit rate.

 

Income Taxes:  

We account for income taxes under the asset and liability method. Deferred tax assets and liabilities are recognized for future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using the enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Net deferred tax assets are included in other assets in the consolidated balance sheet.

 

Accounting standards require the accounting for uncertainty in income taxes recognized in an enterprise’s financial statements. These standards also prescribe a recognition threshold and measurement of a tax position taken or expected to be taken in an enterprise’s tax return. We believe that we had no uncertain tax positions for the years ended December 31, 2021 and 2020.

 

The income tax effects of unrealized gains and losses on investment securities available for sale are released from accumulated other comprehensive income at the time such securities are sold or impaired.

 

Stock-Based Compensation:  

Compensation cost is recognized for stock options issued to employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options. Compensation cost is recognized over the expected term of the stock options and is adjusted for forfeitures as they occur.

 

Income Per Common Share:  

Basic income per share is computed by dividing net income by the weighted-average number of common shares outstanding. Diluted earnings per share is computed by dividing net income by the weighted-average number of common shares and potential common shares outstanding. Potential common shares consist of dilutive stock options determined using the treasury stock method and the average market price of common stock. Earnings per share are restated for all stock splits and stock dividends through the date of issuance of the consolidated financial statements.

 

Segment Information:  

The Company operates and manages itself within one retail banking segment and therefore has not provided segment disclosures.

 

Interest Rate Lock Commitments and Forward Sale Contracts:  

Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as free-standing derivatives. The fair value of the interest rate lock is recorded at the time the commitment to fund the mortgage loan is executed and is adjusted for the expected exercise of the commitments before the loan is funded. In order to hedge the change in interest rates resulting from commitments to fund the loans, we enter into forward commitments for the future delivery of mortgage loans when the interest rate is locked. Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked. Changes in the fair values of these derivatives are included in income when they occur. As a result of the short-term nature of mortgage loans held for sale (derivative contract), our derivative instruments were considered to be immaterial as of December 31, 2021 and 2020.

 

We had no embedded derivative instruments requiring hedge accounting treatment at December 31, 2021 and 2020. We do not currently engage in hedging activities.

 

Recent Accounting Pronouncements:  

The following is a summary of recent authoritative pronouncements that could impact the accounting, reporting and/or disclosure of financial information by the Company.

 

In June 2016, the FASB issued ASU 2016-13, Financial instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, to change the accounting for credit losses and modify the impairment model for certain debt securities. ASU 2016-13 changes the impairment model for most financial assets to a current expected credit loss ("CECL") model, replacing the incurred loss model that is currently in use. The new guidance requires an entity to measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable supportable forecasts. The CECL model will apply to financial assets measured at amortized cost, such as loans and investments, as well as certain off-balance sheet credit exposures. In May 2019, the FASB issued guidance to provide entities with an option to irrevocably elect the fair value option, applied on an instrument-by-instrument basis for eligible instruments, upon adoption of ASU 2016-13, Measurement of Credit Losses on Financial Instruments. In October 2019, the FASB voted to extend the implementation date for smaller reporting companies, non-SEC public companies, and private companies. This amendment will become effective for the Company on January 1, 2023. In connection with its efforts to implement ASU 2016-13, the Company internally developed and tested a model to apply the provisions of this guidance upon adoption. The Company is currently in the process of evaluating the impact on the consolidated financial statements of adopting ASU 2016-13. The actual impact of adopting ASU 2016-13 will be influenced by the quality, composition, and characteristics of our loan and investment portfolios, as well as the expected economic conditions and forecasts at the time of adoption and future reporting periods. 

 

In December 2019, the FASB issued ASU 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes, which provides guidance to simply accounting for income taxes by removing specific technical exceptions that can produce information investors do not understand. The amendments improve and simplify the application of GAAP for other areas of Topic 740 by clarifying and amending the existing guidance. The amendment became effective January 1, 2021 and did not have a material effect on the consolidated financial statements.

 

In January 2020, the FASB issued guidance to address accounting for the transition into and out of the equity method and measuring certain purchased options and forward contracts to acquire investments. The amendment became effective January 1, 2021 and did not have a material effect on the consolidated financial statements.

 

In March 2020, the FASB issued guidance that makes narrow-scope improvements to various aspects of the financial instrument guidance, including the current expected credit losses (CECL) guidance issued in 2016. The amendments related to conforming amendments. For public business entities, the amendments are effective upon issuance of this final ASU. For the amendments related to ASU 2016-13, public business entities that meet the definition of an SEC filer, excluding eligible smaller reporting companies (SRCs) as defined by the SEC, should adopt the amendments in ASU 2016-13 during 2020. Early adoption will continue to be permitted. For entities that have not yet adopted the guidance in ASU 2016-13, the effective dates and the transition requirements for these amendments are the same as the effective date and transition requirements in ASU 2016-13. The Company does not expect these amendments to have a material effect on its consolidated financial statements.

 

In March 2020, the FASB issued guidance to provide temporary optional guidance to ease the potential burden in accounting for reference rate reform. The amendments are effective as of March 12, 2020 through December 31, 2022. The Company does not expect these amendments to have a material effect on its consolidated financial statements.

 

In January 2021, the FASB issued amendments to clarify that certain optional expedients and exceptions in the reference rate reform topic for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. The amendments were effective immediately upon issuance. The amendments did not have a material effect on the Company’s consolidated financial statements.

 

In August 2021, the FASB issued amendments to update SEC paragraphs in the Accounting Standards Codification to reflect the issuance of SEC Release No. 33-10786, Amendments to Financial Disclosures about Acquired and Disposed Businesses, and No. 33-10835, Update of Statistical Disclosures for Bank and Savings and Loan Registrants. The amendments were effective upon issuance. The amendments did not have a material effect on the Company’s consolidated financial statements.

 

In November 2021, the FASB added a topic to the Accounting Standards Codification, Government Assistance, to require certain annual disclosures about transactions with a government that are accounted for by applying a grant or contribution accounting model by analogy to other accounting guidance. The guidance is effective for financial statements issued for annual periods beginning after December 15, 2021. The Company does not expect these amendments to have a material effect on its consolidated financial statements.

 

Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on our financial position, results of operations or cash flows.  
XML 29 R11.htm IDEA: XBRL DOCUMENT v3.22.0.1
INVESTMENT SECURITIES AVAILABLE FOR SALE
 12 Months Ended
Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]  
INVESTMENT SECURITIES AVAILABLE FOR SALE

 

3.INVESTMENT SECURITIES AVAILABLE FOR SALE

 

The amortized cost and fair value of investment securities available for sale are summarized as follows.

 

   December 31, 2021 
   Amortized
Cost		   Gross
Unrealized
Gains		   Gross
Unrealized
Losses		   Estimated
Fair Value		 
U.S. Treasury Notes  $101,269,851   $68,848   $(1,276,399)  $100,062,300 
Government-Sponsored Enterprises   76,355,720    275,123    (1,909,834)   74,721,009 
Municipal Securities   37,421,880    335,912    (193,612)   37,564,180 
Total  $215,047,451   $679,883   $(3,379,845)  $212,347,489 

 

   December 31, 2020 
   Amortized
Cost		   Gross
Unrealized
Gains		   Gross
Unrealized
Losses		   Estimated
Fair Value		 
U.S. Treasury Notes  $20,036,549   $374,001   $—   $20,410,550 
Government-Sponsored Enterprises   96,614,182    1,398,884    (160,260)   97,852,806 
Municipal Securities   16,055,332    501,130    —    16,556,462 
Total  $132,706,063   $2,274,015   $(160,260)  $134,819,818 

 

The amortized cost and estimated fair value of investment securities available for sale at December 31, 2021 and 2020, by contractual maturity are in the following table.

 

   December 31, 2021   December 31, 2020 
   Amortized
Cost		   Estimated
Fair Value		   Amortized
Cost		   Estimated
Fair Value		 
Due in one year or less  $12,756,176   $12,859,086   $32,245,646   $32,622,890 
Due in one year to five years   116,602,790    115,896,465    40,022,194    41,258,370 
Due in five years to ten years   76,531,464    74,575,862    50,438,223    50,968,288 
Due in ten years and over   9,157,021    9,016,076    10,000,000    9,970,270 
                     
Total  $215,047,451   $212,347,489   $132,706,063   $134,819,818 

 

Securities pledged to secure deposits at December 31, 2021 and 2020, had a carrying amount of $33,292,124 and $42,398,616, respectively.

 

The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2021 and 2020. We believe that all unrealized losses have resulted from temporary changes in the interest rate market and not as a result of credit deterioration. We do not intend to sell and it is not likely that we will be required to sell any of the securities referenced in the table below before recovery of their amortized cost.

 

   December 31, 2021 
   Less Than 12 Months   12 Months or Longer   Total 
   #   Fair
Value		   Gross Unrealized
Loss		   #   Fair
Value		   Gross Unrealized
Loss		   #   Fair
Value		   Gross Unrealized
Loss		 
U.S. Treasury Notes   15   $94,994,915   $(1,276,399)   —   $—   $—    15   $94,994,915   $(1,276,399)
Government-Sponsored Enterprises   3    19,480,595    (519,405)   6    39,909,134    (1,390,429)   9    59,389,729    (1,909,834)
Municipal Securities   19    11,384,462    (193,612)   —    —    —    19    11,384,462    (193,612)
                                              
Total   37   $125,859,972   $(1,989,416)   6   $39,909,134   $(1,390,429)   43   $165,769,106   $(3,379,845)

 

   December 31, 2020 
   Less Than 12 Months   12 Months or Longer   Total 
   #   Fair
Value		   Gross Unrealized
Loss		   #   Fair
Value		   Gross Unrealized
Loss		   #   Fair
Value		   Gross Unrealized
Loss		 
U.S. Treasury Notes   —   $—   $—    —   $—   $—    —   $—   $— 
Government-Sponsored Enterprises   4    29,839,740    (160,260)   —    —    —    4    29,839,740    (160,260)
Municipal Securities   —    —    —    —    —    —    —    —    — 
                                              
Total   4   $29,839,740   $(160,260)   —   $—   $—    4   $29,839,740   $(160,260)

 

The table below shows the proceeds received from sales of securities available for sale and gross realized gains and losses.

 

                       
   For the Year Ended December 31, 
   2021   2020   2019 
Gross proceeds  $15,572,500   $11,550,000   $30,412,250 
Gross realized gains   266,944    10,002    114,888 
Gross realized losses   —    —    (64,181)

 

The tax provision related to these gains was $56,058, $2,100 and $10,648 for the years ended December 31, 2021, 2020 and 2019, respectively.
XML 30 R12.htm IDEA: XBRL DOCUMENT v3.22.0.1
LOANS AND ALLOWANCE FOR LOAN LOSSES
 12 Months Ended
Dec. 31, 2021
Receivables [Abstract]  
LOANS AND ALLOWANCE FOR LOAN LOSSES

 

4.LOANS AND ALLOWANCE FOR LOAN LOSSES

 

Major classifications of loans (net of deferred loan fees of $488,481 at December 31, 2021, and $676,155 at December 31, 2020) are shown in the table below. 

 

   December 31, 2021   December 31, 2020 
Commercial  $45,804,434   $51,041,397 
Commercial real estate:          
Construction   12,054,095    14,813,726 
Other   165,719,078    146,187,886 
Consumer:          
Real estate   71,307,488    71,836,041 
Other   3,768,531    4,480,491 
Paycheck protection program   7,978,603    32,443,132 
    306,632,229    320,802,673 
Allowance for loan losses   (4,376,987)   (4,185,694)
Loans, net  $302,255,242   $316,616,979 

 

We had $94.7 million and $76.0 million of loans pledged as collateral to secure funding with the Federal Reserve Bank (“FRB”) Discount Window at December 31, 2021 and 2020, respectively.

 

On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) was signed into law, which established the Paycheck Protection Program (“PPP”) and allocated $349.0 billion of loans to be issued by financial institutions. Under the program, the Small Business Administration (“SBA”) will forgive loans, in whole or in part, made by approved lenders to eligible borrowers for payroll and other permitted purposes in accordance with the requirements of the program. These loans carry a fixed rate of 1.00% and a term of two years, if not forgiven, in whole or in part. The loans are 100% guaranteed by the SBA and as long as the borrower submits its loan forgiveness application within ten months of completion of the covered period, the borrower is not required to make any payments until the forgiveness amount is remitted to the lender by the SBA. The Bank received a processing fee ranging from 1% to 5% based on the size of the loan from the SBA. The fees are deferred and amortized over the life of the loans in accordance with ASC 310-20. The Bank received processing fees of $2.4 million and recognized $1.3 million and $0.6 million during the years ended December 31, 2021 and 2020, respectively. The Paycheck Protection Program and Health Care Enhancement Act (“PPP/ HCEA Act”) were signed into law on April 24, 2020. The PPP/HCEA Act authorized additional funding under the CARES Act of $310.0 billion for PPP loans to be issued by financial institutions through the SBA. The Bank provided $55.3 million in funding to 480 customers through the PPP as of December 31, 2021. Because these loans are 100% guaranteed by the SBA and did not undergo the Bank’s typical underwriting process, they are not graded and do not have an associated reserve. 

 

Our portfolio grading analysis estimates the capability of the borrower to repay the contractual obligations of the loan agreements as scheduled. Our internal credit risk grading system is based on experience with similarly graded loans, industry best practices, and regulatory guidance. Our portfolio is graded in its entirety, with the exception of the PPP loans.

 

Our internally assigned grades pursuant to the Board-approved lending policy are as follows:

 

●Excellent (1) The borrowing entity has more than adequate cash flow, unquestionable strength, strong earnings and capital, and where applicable, no overdrafts.

 

●Good (2) The borrowing entity has dependable cash flow, better than average financial condition, good capital and usually no overdrafts.

 

●Satisfactory (3) The borrowing entity has adequate cash flow, satisfactory financial condition, and explainable overdrafts (if any).

 

●Watch (4) The borrowing entity has generally adequate, yet inconsistent cash flow, cyclical earnings, weak capital, loan to/from stockholders, and infrequent overdrafts. The borrower has consistent yet sometimes unpredictable sales and growth.

 

●OAEM (5) The borrowing entity has marginal cash flow, occasional past dues, and frequent and unexpected working capital needs.

 

●Substandard (6) The borrowing entity has cash flow barely sufficient to service debt, deteriorated financial condition, and bankruptcy is a possibility. The borrowing entity has declining sales, rising costs, and may need to look for secondary source of repayment.

 

●Doubtful (7) The borrowing entity has negative cash flow. Survival of the business is at risk, full repayment is unlikely, and there are frequent and unexplained overdrafts. The borrowing entity shows declining trends and no operating profits.

 

●Loss (8) The borrowing entity has negative cash flow with no alternatives. Survival of the business is unlikely.

 

 

The following tables illustrate credit risks by category and internally assigned grades at December 31, 2021 and 2020. “Pass” includes loans internally graded as excellent, good and satisfactory.

 

December 31, 2021 
    Commercial   Commerical
Real Estate
Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck
Protection
Program		   Total 
Pass   $43,853,889   $11,616,118   $159,825,281   $69,920,347   $3,565,716   $7,978,603   $296,759,954 
Watch    450,319    437,977    3,082,408    862,938    133,418    —    4,967,060 
OAEM    36,749    —    1,158,268    274,445    29,244    —    1,498,706 
Substandard    1,463,477    —    1,653,121    249,758    40,153    —    3,406,509 
Doubtful    —    —    —    —    —    —    — 
Loss    —    —    —    —    —    —    — 
Total   $45,804,434   $12,054,095   $165,719,078   $71,307,488   $3,768,531   $7,978,603   $306,632,229 

 

December 31, 2020 
    Commercial   Commercial
Real Estate
Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck
Protection
Program		   Total 
Pass   $44,903,134   $14,349,065   $125,111,378   $70,454,909   $4,171,858   $32,443,132   $291,433,476 
Watch    3,415,408    464,661    15,200,992    467,163    219,954    —    19,768,178 
OAEM    1,039,647    —    1,784,296    623,226    46,783    —    3,493,952 
Substandard    1,683,208    —    4,091,220    290,743    41,896    —    6,107,067 
Doubtful    —    —    —    —    —    —    — 
Loss    —    —    —    —    —    —    — 
Total   $51,041,397   $14,813,726   $146,187,886   $71,836,041   $4,480,491   $32,443,132   $320,802,673 

 

The following tables include an aging analysis of the recorded investment in loans segregated by class.

 

    December 31, 2021  
   30-59 Days
Past Due		   60-89 Days
Past Due		   Greater than
90 Days Past Due		   Total
Past Due		   Current   Total Loans Receivable   Recorded Investment ≥
90 Days and Accruing		 
Commercial  $88,659   $—   $—   $88,659   $45,715,775   $45,804,434   $— 
Commercial Real Estate Construction   —    —    —    —    12,054,095    12,054,095    — 
Commercial Real Estate Other   59,269    288,464    337,490    685,223    165,033,855    165,719,078    — 
Consumer Real Estate   —    —    —    —    71,307,488    71,307,488    — 
Consumer Other   23,971    —    —    23,971    3,744,560    3,768,531    — 
Paycheck Protection Program   —    —    —    —    7,978,603    7,978,603      
Total  $171,899   $288,464   $337,490   $797,853   $305,834,376   $306,632,229   $— 

 

   December 31, 2020 
   30-59 Days
Past Due		   60-89 Days
Past Due		   Greater than 90 Days Past Due   Total
Past Due		   Current   Total Loans Receivable   Recorded Investment ≥
90 Days and Accruing		 
Commercial  $144,999   $27,855   $—   $172,854   $50,868,543   $51,041,397   $— 
Commercial Real Estate Construction   —    —    —    —    14,813,726    14,813,726    — 
Commercial Real Estate Other   61,597    —    923,828    985,425    145,202,461    146,187,886    — 
Consumer Real Estate   —    —    40,893    40,893    71,795,148    71,836,041    — 
Consumer Other   —    —    —    —    4,480,491    4,480,491    — 
Paycheck Protection Program   —    —    —    —    32,443,132    32,443,132      
Total  $206,596   $27,855   $964,721   $1,199,172   $319,603,501   $320,802,673   $— 

 

There were no loans past due 90 days or more and still accruing interest at December 31, 2021 and 2020.

 

The following table summarizes the balances of non-accrual loans.

 

   Loans Receivable on Non-Accrual  
   December 31, 2021   December 31, 2020 
           
Commercial  $178,975   $178,975 
Commercial Real Estate Construction   —    — 
Commercial Real Estate Other   625,953    923,828 
Consumer Real Estate   —    40,893 
Consumer Other   9,686    12,234 
Paycheck Protection Program   —    — 
Total  $814,614   $1,155,930 

 

The following tables set forth the changes in the allowance and an allocation of the allowance by class at December 31, 2021, 2020, and 2019. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-impaired loans and is based on historical loss experience adjusted for current economic factors.

 

                                                       
   December 31, 2021 
   Commercial   Commercial
Real Estate Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck Protection Program   Total 
Allowance for Loan Losses                                   
Beginning Balance  $1,029,310   $199,266   $1,909,121   $925,077   $122,920   $—   $4,185,694 
Charge-offs   —    —    —    —    (11,440)   (9,550)   (20,990)
Recoveries   21,329    —    —    47,711    22,367    876    92,283 
Provisions   (254,950)   (23,773)   467,185    (48,004)   (29,132)   8,674    120,000 
Ending Balance  $795,689   $175,493   $2,376,306   $924,784   $104,715   $—   $4,376,987 

 

                                                       
   December 31, 2020 
   Commercial   Commercial
Real Estate Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck Protection Program   Total 
Allowance for Loan Losses                                   
Beginning Balance  $1,429,917   $109,235   $1,270,445   $496,221   $697,940   $—   $4,003,758 
Charge-offs   (171,646)   —    —    —    (116,001)   (2,650)   (290,297)
Recoveries   88,811    —    99,801    —    43,599    22    232,233 
Provisions   (317,772)   90,031    538,875    428,856    (502,618)   2,628    240,000 
Ending Balance  $1,029,310   $199,266   $1,909,121   $925,077   $122,920   $—   $4,185,694 

 

                                                       
   December 31, 2019 
   Commercial  

Commercial 

Real Estate
Construction

   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck Protection
Program		   Total 
Allowance for Loan Losses                                   
Beginning Balance  $1,665,413   $63,876   $1,292,346   $386,585   $806,111   $—   $4,214,331 
Charge-offs   (398,685)   —    —    —    (8,342)   —    (407,027)
Recoveries   12,200    —    —    —    4,254    —    16,454 
Provisions   150,989    45,359    (21,901)   109,636    (104,083)   —    180,000 
Ending Balance  $1,429,917   $109,235   $1,270,445   $496,221   $697,940   $—   $4,003,758 

 

The following tables present, by class and reserving methodology, the allocation of the allowance for loan losses and the gross investment in loans.

 

                                                       
   December 31, 2021 
   Commercial   Commercial
Real Estate Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck Protection Program   Total 
Allowance for Loan Losses                                   
Individually evaluated for impairment  $179,988   $—   $—   $—   $40,153   $—   $220,141 
Collectively evaluated for impairment   615,701    175,493    2,376,306    924,784    64,562    —    4,156,846 
Total Allowance for Loan Losses   795,689    175,493    2,376,306    924,784    104,715    —    4,376,987 
Loans Receivable                                   
Individually evaluated for impairment   1,463,477    —    1,653,121    249,758    40,153    —    3,406,509 
Collectively evaluated for impairment   44,340,957    12,054,095    164,065,957    71,057,730    3,728,378    7,978,603    303,225,720 
Total Loans Receivable  $45,804,434   $12,054,095   $165,719,078   $71,307,488   $3,768,531   $7,978,603   $306,632,229 

 

                                                       
   December 31, 2020 
   Commercial   Commercial
Real Estate Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck Protection Program   Total 
Allowance for Loan Losses                                   
Individually evaluated for impairment  $357,657   $—   $36,747   $9,111   $41,896   $—   $445,411 
Collectively evaluated for impairment   671,653    199,266    1,872,374    915,966    81,024    —    3,740,283 
Total Allowance for Loan Losses   1,029,310    199,266    1,909,121    925,077    122,920    —    4,185,694 
Loans Receivable                                   
Individually evaluated for impairment   2,298,120    —    5,174,841    290,743    41,896    —    7,805,600 
Collectively evaluated for impairment   48,743,277    14,813,726    141,013,045    71,545,298    4,438,595    32,443,132    312,997,073 
Total Loans Receivable  $51,041,397   $14,813,726   $146,187,886   $71,836,041   $4,480,491   $32,443,132   $320,802,673 

 

As of December 31, 2021 and 2020, loans individually evaluated for impairment and the corresponding allowance for loan losses are presented in the following table.

 

   Impaired and Restructured Loans As of 
   December 31, 2021   December 31, 2020 
   Unpaid
Principal
Balance		   Recorded Investment   Related
Allowance		   Unpaid
Principal
Balance		   Recorded Investment   Related
Allowance		 
With no related allowance recorded:                              
Commercial  $1,096,407   $1,096,407   $—   $1,721,818   $1,721,818   $— 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   1,653,121    1,653,121    —    4,831,757    4,831,757    — 
Consumer Real Estate   249,758    249,758    —    249,850    249,850    — 
Consumer Other   —    —    —    —    —    — 
Paycheck Protection Program   —    —    —    —    —    — 
Total   2,999,286    2,999,286    —    6,803,425    6,803,425    — 
                               
With an allowance recorded:                              
Commercial   367,070    367,070    179,988    576,302    576,302    357,657 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   —    —    —    343,084    343,084    36,747 
Consumer Real Estate   —    —    —    40,893    40,893    9,111 
Consumer Other   40,153    40,153    40,153    41,896    41,896    41,896 
Paycheck Protection Program   —    —    —    —    —    — 
Total   407,223    407,223    220,141    1,002,175    1,002,175    445,411 
                               
Total                              
Commercial   1,463,477    1,463,477    179,988    2,298,120    2,298,120    357,657 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   1,653,121    1,653,121    —    5,174,841    5,174,841    36,747 
Consumer Real Estate   249,758    249,758    —    290,743    290,743    9,111 
Consumer Other   40,153    40,153    40,153    41,896    41,896    41,896 
Paycheck Protection Program   —    —    —    —    —    — 
Total  $3,406,509   $3,406,509   $220,141   $7,805,600   $7,805,600   $445,411 

 

The following table presents average impaired loans and interest income recognized on those impaired loans, by class segment, for the periods indicated.

 

   For the year ended December 31, 
   2021   2020   2019 
   Average
Recorded Investment		   Interest
Income Recognized		   Average
Recorded Investment		   Interest
Income Recognized		   Average
Recorded Investment		   Interest
Income Recognized		 
With no related allowance recorded:                              
Commercial  $1,142,667   $68,602   $1,866,590   $102,636   $1,483,982   $94,779 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   1,645,375    68,031    4,849,474    218,372    1,533,720    76,183 
Consumer Real Estate   249,777    10,615    249,813    11,580    879,753    30,400 
Consumer Other   —    —    —    —    —    — 
Paycheck Protection Program   —    —    —    —    —    — 
Total   3,037,819    147,248    6,965,877    332,588    3,897,455    201,362 
                               
With an allowance recorded:                              
Commercial   378,499    22,130    578,399    37,663    725,353    44,299 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   —    —    337,304    —    246,884    — 
Consumer Real Estate   —    —    36,483    (116)   —    — 
Consumer Other   41,133    2,674    42,089    2,743    59,240    3,487 
Paycheck Protection Program   —    —    —    —    —    — 
Total   419,632    24,804    994,275    40,290    1,031,477    47,786 
                               
Total                              
Commercial   1,521,166    90,732    2,444,989    140,299    2,209,335    139,078 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   1,645,375    68,031    5,186,778    218,372    1,780,604    76,183 
Consumer Real Estate   249,777    10,615    286,296    11,464    879,753    30,400 
Consumer Other   41,133    2,674    42,089    2,743    59,240    3,487 
Paycheck Protection Program   —    —    —    —    —    — 
   $3,457,451   $172,052   $7,960,152   $372,878   $4,928,932   $249,148 

 

In general, the modification or restructuring of a debt is considered a troubled debt restructuring (“TDR”) if we, for economic or legal reasons related to a borrower’s financial difficulties, grant a concession to the borrower that we would not otherwise consider. As of December 31, 2021, there were 5 TDRs with a balance of $1.0 million. As of December 31, 2020, there were 14 TDRs with a balance of $5.8 million. These TDRs were granted extended payment terms with no principal reduction. The structure of two of the loans changed to interest only. All TDRs were performing as agreed as of December 31, 2021. During the year ended December 31, 2019, one TDR in the amount of $2,008 was charged off and the Company recovered $439. No other TDRs that were modified within the previous twelve months defaulted during the following year for the years ended December 31, 2021, 2020, and 2019.

 

Regulatory agencies, as set forth in the Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus (initially issued on March 22, 2020 and revised on April 7, 2020), have encouraged financial institutions to work prudently with borrowers who are or may be unable to meet their contractual payment obligations because of the effects of COVID-19. In this statement, the regulatory agencies expressed their view of loan modification programs as positive actions that may mitigate adverse effects on borrowers due to COVID-19 and that the agencies will not criticize institutions for working with borrowers in a safe and sound manner. Moreover, the revised statement provides that eligible loan modifications related to COVID-19 may be accounted for under section 4013 of the CARES Act or in accordance with ASC 310-40. Under Section 4013 of the CARES Act, banks may elect not to categorize loan modifications as TDRs if the modifications are related to COVID-19, executed on a loan that was not more than 30 days past due as of December 31, 2019, and executed between March 1, 2020 and the earlier of December 31, 2020 or 60 days after the date of termination of the National Emergency. All short-term loan modifications made on a good faith basis in response to COVID-19 to borrowers who were current prior to any relief are not considered TDRs. Beginning in March 2020, the Bank provided payment accommodations to customers, consisting of 60-day principal deferral to borrowers negatively impacted by COVID-19. During 2020, the Bank processed approximately $0.7 million in principal deferments to 84 customers, with an aggregate loan balance of $25.9 million. The Bank did not process any principal deferments during the year ended December 31, 2021. The principal deferments represented 0.24% of our total loan portfolio as of December 31, 2020. The Bank has examined the payment accommodations granted to borrowers in response to COVID-19 and classified 9 loans, with an aggregate loan balance of $4.0 million, that were granted payment accommodations as TDRs given the continued financial difficulty of the customer, associated industry risk, and multiple deferral requests. All other borrowers were current prior to relief, were not experiencing financial difficulty prior to COVID-19, and the Bank determined they were not considered TDRs. As of December 31, 2021, 4 of the TDRs were removed from TDR status due to improvement in financial condition and sustained performance under the restructured terms, 2 TDRs were paid off through refinancing into new loans at market terms, and 1 TDR was paid off. Two loans with a balance of $0.5 million remain in TDR status as of December 31, 2021. Additionally, of the 75 customers that received payment accommodations that were not classified as TDRs, 41 customers, with an aggregate loan balance of $9.9 million, have paid their loan in full as of December 31, 2021. The remaining loans are paying as agreed as of December 31, 2021. There are no loans that received payment accommodation past due greater than 30 days. The Bank will continue to examine payment accommodations as requested by borrowers.
XML 31 R13.htm IDEA: XBRL DOCUMENT v3.22.0.1
CONCENTRATIONS OF CREDIT RISK
 12 Months Ended
Dec. 31, 2021
Risks and Uncertainties [Abstract]  
CONCENTRATIONS OF CREDIT RISK

 

5.CONCENTRATIONS OF CREDIT RISK

 

We grant short to intermediate term commercial and consumer loans to customers throughout our primary market area of Charleston, Berkeley and Dorchester counties of South Carolina. Our primary market area is heavily dependent on tourism, medical, and legal services. Although we have a diversified loan portfolio, a substantial portion of our debtors’ ability to honor their contracts is dependent upon the stability of the economic environment in their primary market. The majority of the loan portfolio is located in our immediate market area with a concentration in real estate related activities.

 

Our loans were concentrated in the following categories.

 

   December 31, 2021   December 31, 2020 
Commercial   14.94%   15.91%
Commercial Real Estate Construction   3.93%   4.62%
Commercial Real Estate Other   54.04%   45.57%
Consumer Real Estate   23.26%   22.39%
Consumer Other   1.23%   1.40%
Paycheck Protection Program   2.60%   10.11%
Total   100.00%   100.00%

 
XML 32 R14.htm IDEA: XBRL DOCUMENT v3.22.0.1
PREMISES, EQUIPMENT AND LEASEHOLD IMPROVEMENTS
 12 Months Ended
Dec. 31, 2021
Property, Plant and Equipment [Abstract]  
PREMISES, EQUIPMENT AND LEASEHOLD IMPROVEMENTS

 

6.PREMISES, EQUIPMENT AND LEASEHOLD IMPROVEMENTS

 

Premises, equipment and leasehold improvements are summarized in the table below.

 

   December 31, 
   2021   2020 
Bank buildings  $1,861,237   $1,861,237 
Land   838,075    838,075 
Leasehold purchases   30,000    30,000 
Leasehold improvements   2,595,825    2,589,195 
Construction in progress   31,654    24,307 
Equipment   4,241,305    4,113,013 
    9,598,096    9,455,827 
Accumulated depreciation   (5,815,160)   (5,402,294)
Total  $3,782,936   $4,053,533 

 

Depreciation on our bank premises and equipment charged to operating expense totaled $412,866, $421,040, and $230,377, during the year ended December 31, 2021, 2020, and 2019, respectively.
XML 33 R15.htm IDEA: XBRL DOCUMENT v3.22.0.1
LEASES
 12 Months Ended
Dec. 31, 2021
Leases  
LEASES

 

7.LEASES

 

As of December 31, 2021 and 2020, the Company had operating right of use (“ROU”) assets of $14.0 million and $12.7 million, respectively, and operating lease liabilities of $14.0 million and $12.7 million, respectively. The Company maintains operating leases on land, branch facilities, and parking. Operating leases generally contain initial fixed payment terms that adjust in future years based on the consumer price index or similar measure. Most of the leases include one or more options to renew, with renewal terms extending up to 20 years. Leases with an initial term of 12 months or less are not recorded on the balance sheet and are recognized in lease expense.

 

As of December 31, 2021, the weighted average remaining lease term is 16.56 years and the weighted average incremental borrowing rate is 4.08%.

 

The exercise of renewal options is based on the sole judgement of management and what they consider to be reasonably certain. Based on the market areas, past practices, and contract terms of all leases, the Bank assumed all renewal options will be exercised. Minimum rental commitments for these leases as of December 31, 2021 are presented in the table below.

 

       
2022   $1,175,080 
2023    1,175,080 
2024    1,175,080 
2025    1,175,080 
2026 and thereafter    13,403,850 
Total undisclosed lease payments   $18,104,170 
Less: effect of discounting    (4,062,327)
Present value of estimated lease payments   $14,041,843 

 

The table below shows lease expense components for the year ended December 31, 2021 and 2020.

 

               
   December 31, 
Lease Expense Components:  2021   2020 
Operating lease expense  $1,139,393   $972,815 
Short-term lease expense   —    — 
Total lease expense  $1,139,393   $972,815 

 

Total rental expense was $1,139,393, $972,815 and $623,998, a during the year ended December 31, 2021, 2020 and 2019, respectively.

 

As of December 31, 2021, we did not maintain any finance leases and we determined that the number and dollar amount of equipment leases was immaterial. As of December 31, 2021, we have no additional operating leases that have not yet commenced.

 

We rented office space at 1071 Morrison Drive, Charleston, South Carolina, from a related party, to house our Mortgage Department during the year ended December 31, 2019. Rent expense for this lease was $46,538 for the year ended December 31, 2019. This lease ended in September 2019. 
XML 34 R16.htm IDEA: XBRL DOCUMENT v3.22.0.1
DEPOSITS
 12 Months Ended
Dec. 31, 2021
Deposits:  
DEPOSITS

 

8.DEPOSITS

 

As of December 31, 2021 and 2020, certificates of deposit of $250,000 or more totaled approximately $7,417,864 and $4,493,189, respectively.

 

The scheduled maturities of certificates of deposit as of December 31, 2021 are presented in the table below:

 

          
2022      $19,313,002 
2023       974,891 
2024       161,337 
2025       51,945 
2026   and thereafter   787,045 
       $21,288,220 

 

As of December 31, 2021 and 2020, deposits with a deficit balance of $28,549 and $100,304, respectively, were re-classified as other loans.
XML 35 R17.htm IDEA: XBRL DOCUMENT v3.22.0.1
SHORT-TERM BORROWINGS
 12 Months Ended
Dec. 31, 2021
Debt Disclosure [Abstract]  
SHORT-TERM BORROWINGS

 

9.SHORT-TERM BORROWINGS

 

At December 31, 2021 and 2020, we had no outstanding federal funds purchased. We have a Borrower-In-Custody arrangement with the Federal Reserve. This arrangement permits the Company to retain possession of loans pledged as collateral to secure advances from the Federal Reserve Discount Window. Under this agreement, we may borrow up to $72.1 million as of December 31, 2021. We established this arrangement as an additional source of liquidity. There have been no borrowings under this arrangement.

 

At December 31, 2021 and 2020, the Bank had unused short-term lines of credit totaling approximately $41.0 million and $23.0 million, respectively (which are withdrawable at the lender’s option).
XML 36 R18.htm IDEA: XBRL DOCUMENT v3.22.0.1
INCOME TAXES
 12 Months Ended
Dec. 31, 2021
Income Tax Disclosure [Abstract]  
INCOME TAXES

 

10.INCOME TAXES

 

Total income taxes for the years ended December 31, 2021, 2020 and 2019 are presented in the table below.

 

                       
   For the year ended December 31, 
   2021   2020   2019 
Income tax expense  $2,071,503   $1,965,679   $2,175,274 
Unrealized gains (losses) on securities available for sale presented in accumulated other comprehensive income (loss)   (1,010,881)   315,546    (600,765)
Total  $1,060,622   $2,281,225   $1,574,509 

 

Income tax expense was as follows:

 

                       
   For the year ended December 31, 
   2021   2020   2019 
Current income taxes               
Federal  $1,796,283   $1,543,334   $1,742,430 
State   321,971    —    — 
Total current tax expense   2,118,254    1,543,334    1,742,430 
Deferred income tax (benefit) expense   (46,751)   422,345    432,844 
Total income tax expense  $2,071,503   $1,965,679   $2,175,274 

 

The differences between actual income tax expense and the amounts computed by applying the U.S. federal income tax rate of 21% to pretax income from continuing operations for the periods indicated are reconciled in the table below.

 

                       
   For the year ended December 31, 
   2021   2020   2019 
             
Computed “expected” tax expense  $1,851,433   $1,769,525   $1,993,679 
Increase (reduction) in income taxes resulting from:               
Amortization of credit and gain   —    —    1,685 
Stock based compensation   21,637    19,527    16,391 
Valuation allowance   7,658    8,083    7,123 
Other   7,477    7,259    6,233 
State income tax, net of federal benefit   248,887    238,729    268,000 
Tax exempt interest income   (65,589)   (77,444)   (117,837)
Total income tax expense  $2,071,503   $1,965,679   $2,175,274 

 

The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020 are presented below.

 

  

 

  

 

 
    December 31, 
  

2021

  

2020

 
Deferred tax assets:          
Allowance for loan losses  $905,365   $849,159 
State credit carryforward   —   5,762 
Deferred loan fees   102,581    141,993 
Passthrough income   26,525    26,525 
State net operating loss carryforward   97,655    89,997 
Nonaccrual interest   29,246    30,528 
Other   9,432    9,432 
Total gross deferred tax assets   1,170,804    1,153,396 
Valuation allowance   (97,655)   (89,997)
Total gross deferred tax assets, net of valuation allowance   1,073,149    1,063,399 
           
Deferred tax liabilities:          
Fixed assets, principally due to differences in depreciation   (338,716)   (382,668)
Unrealized (gain) loss on securities available for sale   (1,360,199)   (443,889)
State credit carryforward   (5,672)   — 
Prepaid expenses   (29,869)   (21,633)
Other   (58,619)   (57,918)
Total deferred tax liabilities   (1,793,075)   (906,108)
           
Net deferred tax (liability) asset  $(719,926)  $157,291 

 

There was a $97,655 and $89,997 valuation allowance for deferred tax assets at December 31, 2021 and 2020, respectively, associated with the Company’s state tax credits. In assessing the realization of deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred income tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible and prior to their expiration governed by the income tax code. Management considers the scheduled reversal of deferred tax liabilities, projected future taxable income, and tax planning strategies in making this assessment. Based upon the level of historical taxable income and projections for future taxable income over the periods during which the deferred income tax assets are expected to be deductible, management believes it is more likely than not the Company will realize the benefits of these deductible differences, net of the existing valuation allowance at December 31, 2021 and 2020. The amount of the deferred income tax asset considered realizable, however, could be reduced in the near term if estimates of future taxable income during the carry forward period are reduced.

 

The Company measures deferred tax assets and liabilities using enacted tax rates that will apply in the years in which the temporary differences are expected to be recovered or paid.

 

The Company has analyzed the tax positions taken or expected to be taken in its tax returns and concluded it has no liability related to uncertain tax positions in accordance with applicable regulations.

 

Tax returns for 2018 and subsequent years are subject to examination by taxing authorities.
XML 37 R19.htm IDEA: XBRL DOCUMENT v3.22.0.1
COMMITMENTS AND CONTINGENCIES
 12 Months Ended
Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]  
COMMITMENTS AND CONTINGENCIES

 

11.COMMITMENTS AND CONTINGENCIES

 

We are a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of our customers. These financial instruments include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit, interest rate, and liquidity risk. Our exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is essentially the same as that involved in extending loan facilities to customers. We use the same credit policies in making commitments and conditional obligations as we do for on-balance sheet instruments.

 

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. If deemed necessary, the amount of collateral obtained upon extension of credit is based on our credit evaluation of the borrower. Collateral held varies, but may include accounts receivable, negotiable instruments, inventory, property, plant and equipment, and real estate. Commitments to extend credit, including unused lines of credit, amounted to $117,450,893 and $122,755,761 at December 31, 2021 and 2020, respectively.

 

Standby letters of credit represent our obligation to a third-party contingent upon the failure by our customer to perform under the terms of an underlying contract with the third party or obligates us to guarantee or stand as surety for the benefit of the third party. The underlying contract may entail either financial or nonfinancial obligations and may involve such things as the shipment of goods, performance of a contract, or repayment of an obligation. Under the terms of a standby letter, generally drafts will be drawn only when the underlying event fails to occur as intended. We can seek recovery of the amounts paid from the borrower. Commitments under standby letters of credit are usually for one year or less. At December 31, 2021 and 2020, we have recorded no liability for the current carrying amount of the obligation to perform as a guarantor; as such amounts are not considered material. The maximum potential amount of undiscounted future payments related to standby letters of credit at December 31, 2021 and 2020 was $648,717 and $845,811, respectively.
XML 38 R20.htm IDEA: XBRL DOCUMENT v3.22.0.1
RELATED PARTY TRANSACTIONS
 12 Months Ended
Dec. 31, 2021
Related Party Transactions [Abstract]  
RELATED PARTY TRANSACTIONS

 

12.RELATED PARTY TRANSACTIONS

 

In the opinion of management, loans to our Executive Officers and Directors are made on substantially the same terms, including interest rates and collateral, as those terms prevailing at the time for comparable loans with persons not related to the lender that do not involve more than the normal risk of collectability. There were no past due loans to our Executive Officers and Directors as of December 31, 2021 and 2020.

 

The table below summarizes related party loans.

 

   December 31, 2021   December 31, 2020 
Balance at beginning of the year  $5,970,014   $2,651,907 
New loans or advances   3,693,836    5,244,062 
Repayments   (4,150,704)   (1,925,955)
Balance at the end of the year  $5,513,146   $5,970,014 

 

At December 31, 2021 and 2020, total deposits held by related parties were $11,405,076 and $5,681,634, respectively.

 

The Company also leased office space from a related party during the year ended December 31, 2019 as discussed in Note 7. Leases.
XML 39 R21.htm IDEA: XBRL DOCUMENT v3.22.0.1
OTHER EXPENSE
 12 Months Ended
Dec. 31, 2021
Other Income and Expenses [Abstract]  
OTHER EXPENSE

 

13.OTHER EXPENSE

 

The table below summarizes the components of other operating expense.

 

                       
   For the year ended December 31, 
   2021   2020   2019 
Telephone and postage  $ 233,667   $ 219,065   $ 182,801 
State and FDIC insurance and fees   212,284    95,353    113,117 
Supplies   63,850    74,472    103,796 
Courier service   44,825    48,048    49,200 
Insurance   56,748    53,000    43,097 
Advertising and business development   8,114    9,045    16,059 
Amortization of federal tax credit   —    —    8,022 
Other   805,966    746,502    740,948 
Total other operating expenses  $1,425,454   $1,245,485   $1,257,040 

 
XML 40 R22.htm IDEA: XBRL DOCUMENT v3.22.0.1
STOCK INCENTIVE PLANS
 12 Months Ended
Dec. 31, 2021
Share-based Payment Arrangement [Abstract]  
STOCK INCENTIVE PLANS

 

14.STOCK INCENTIVE PLANS

 

We have two employee Stock Incentive Plans: the first plan, which was approved in 2010, has 300,000 (363,000 adjusted for two 10% stock dividends) shares reserved and the second plan, which was approved in 2020, has 300,000 shares reserved. No new options may be granted under the 2010 plan, as it expired on April 14, 2020. Under the 2020 plan, options are periodically granted to employees at a price not less than the fair market value of the shares at the date of grant. Employees become 20% vested after five years and then vest 20% each year until fully vested. The right to exercise each such 20% of the options is cumulative and will not expire until the tenth anniversary of the date of the grant. All employees are eligible to participate in the 2020 plan if the Executive/Long-Range Committee, in its sole discretion, determines that such person has contributed or can be expected to contribute to our profits or growth. With respect to Executive Officers, the Executive/ Long-Range Planning Committee will obtain approval from the Compensation Committee for any options granted to them.

 

We also have a stock incentive plan to provide equity incentive compensation to the Company's eligible independent directors. The plan was approved by the shareholders in 2021 and has 150,000 shares reserved. Under the 2021 plan, options may be granted to eligible independent directors at a price not less than the fair market value of the shares at the date of grant. Options granted to independent directors become vested as to 20% of the options per year and will be fully vested after five years. The right to exercise each such 20% of the options is cumulative and will not expire until the tenth anniversary of the date of the grant. Each independent director is eligible to participate in the 2021 plan if the Compensation Committee, in its sole discretion, determines that such person has contributed or can be expected to contribute to our profits or growth. During 2021, the Compensation Committee granted each of its 14 independent directors options to purchase 5,000 shares of the Company’s common stock at an exercise price of $21.10 per share. 

 

Option awards are generally granted with an exercise price equal to the market price of the Company’s common stock at the date of grant. The fair value of each option award is estimated on the date of grant using a closed form option valuation (Black-Scholes) model that uses the assumptions noted in the table below. Expected volatilities are based on historical volatilities of our common stock. The expected term of the options granted shall not exceed ten years from the date of grant (the amount of time options granted are expected to be outstanding). The risk-free interest rate for the expected term of the option is based on the U.S. Treasury yield curve in effect at the time of the grant.

 

The fair value of options granted was determined using the following weighted-average assumptions as of grant date:

 

                   
   2021   2020   2019 
Risk free interest rate   1.46%   0.63%   2.01%
Expected life (in years)   5.99    7.50    7.50 
Expected stock price volatility   34.18%   32.90%   33.13%
Dividend yield   4.00%   4.26%   4.28%

 

The following table presents a summary of the activity under the 2010, 2020 and 2021 Stock Incentive Plans for the years ended December 31:

 

                                           
   2021   2020   2019 
   Shares   Weighted
Average
Exercise
Price		   Shares   Weighted
Average
Exercise
Price		   Shares   Weighted
Average
Exercise
Price		 
Outstanding, January 1   202,344   $14.89    86,097   $12.92    102,760   $11.86 
Granted   115,750    20.15    145,750    15.31    6,250    18.92 
Exercised   (22,305)   10.64    (19,298)   9.39    (22,163)   8.81 
Forfeited   (22,042)   15.07    (10,205)   15.19    (750)   18.92 
Outstanding, December 31   273,747   $17.50    202,344   $14.89    86,097   $12.92 
Exercisable at year end   7,804   $12.17    21,113   $9.77    27,459   $9.03 

 

The following table presents information pertaining to options outstanding at December 31, 2021. 

 

Exercise Price   Number of
Options
Outstanding		   Weighted
Average
Remaining
Contractual
Life		   Weighted
Average
Exercise
Price
of Options
Outstanding		   Intrinsic
Value of
Options
Outstanding		   Number of
Options
Exercisable		   Weighted
Average
Exercise
Price of
Options
Exercisable		   Intrinsic
Value of
Options
Exercisable		 
$9.18    1,149    0.50   $9.18   $10,548    1,149   $9.18   $12,409 
$12.26    3,992    2.58   $12.26   $48,942    2,395   $12.26   $18,490 
$12.40    969    2.00   $12.40   $12,016    775   $12.40   $5,876 
$13.05    8,712    3.33   $13.05   $113,692    3,485   $13.05   $24,148 
$15.21    116,250    8.33   $15.21   $1,768,163    —     $15.21   $—   
$16.73    10,000    8.33   $16.73   $167,300    —     $16.73   $—   
$18.23    32,450    6.25   $18.23   $591,564    —     $18.23   $—   
$19.00    2,750    8.33   $19.00   $52,250    —     $19.00   $—   
$19.82    7,225    8.33   $19.82   $143,200    —     $19.82   $—   
$20.04    20,250    9.59   $20.04   $405,810    —     $20.04   $—   
$21.10    70,000    9.33   $21.10   $1,477,000    —     $21.10   $—   
      273,747    8.13   $17.50   $4,790,485    7,804   $12.17   $60,923 

 

The total intrinsic value of options exercised during the years ended December 31, 2021, 2020, and 2019 was $208,259, $139,837 and $218,116, respectively. Shares issued upon exercise of stock options are obtained from the authorized and unissued pool of common stock. Shares surrendered as payment of the stock option exercise price are included in treasury stock.

 

We recognized compensation cost for the years ended December 31, 2021, 2020 and 2019 in the amount of $103,033, $92,986 and $78,053, respectively, related to the granted options.

 

As of December 31, 2021, there was a total of $638,443 in unrecognized compensation cost related to nonvested share-based compensation arrangements granted under the Plan. The cost is expected to be recognized over a weighted average period of 5.26 years.
XML 41 R23.htm IDEA: XBRL DOCUMENT v3.22.0.1
EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST
 12 Months Ended
Dec. 31, 2021
Employee Stock Ownership Plan And Trust  
EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST

 

15. EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST

 

We established an Employee Stock Ownership Plan (“ESOP”) effective January 1, 1989. Any employee of the Bank is eligible to become a participant in the ESOP upon reaching 21 years of age and credited with one-year of service (1,000 hours of service). The employee may enter the Plan on the January 1st that occurs nearest the date on which the employee first satisfies the age and service requirements described above. No contributions by employees are permitted. The amount and time of contributions are at the sole discretion of the Board of Directors of the Bank. The contribution for all participants is based solely on each participant’s respective regular or base salary and wages paid by the Bank including commissions, bonuses and overtime, if any.

 

The Company recognizes expense when the contribution is approved by the Board of Directors. The total expenses amounted to $540,000, $540,000 and $510,000, during the years ended December 31, 2021, 2020 and 2019, respectively. As of December 31, 2021, the plan owned 361,565 shares of common stock of the Company.

 

A participant vests in the ESOP based upon the participant’s credited years of service. The vesting schedule is as follows:

 

  ● 1 Year of Service  0% Vested
  ● 2 Years of Service  25% Vested
  ● 3 Years of Service  50% Vested
  ● 4 Years of Service  75% Vested
  ● 5 Years of Service 100% Vested

 

Periodically, the Internal Revenue Service “IRS” requires a restatement of a qualified retirement plan to ensure that the plan document includes provisions required by legislative and regulatory changes made since the last restatement. There have been no substantive changes to the plan. The Board of Directors approved a restated plan, on January 26, 2012 (incorporated as Exhibit 10.5 in the 2011 10-K). The Plan was submitted to the IRS for approval and a determination letter was issued September 26, 2013, stating that the plan satisfies the requirements of Code Section 4975(e)(7). On January 26, 2017, the Board of Directors approved a restated plan (incorporated as Exhibit 10.6 in the 2016 10-K). The Plan was submitted to the IRS for approval and a determination letter was issued November 17, 2017, stating that the plan satisfies the requirements of Code Section 4975(e)(7).
XML 42 R24.htm IDEA: XBRL DOCUMENT v3.22.0.1
DIVIDENDS
 12 Months Ended
Dec. 31, 2021
Dividends  
DIVIDENDS

 

16. DIVIDENDS

 

The Bank’s ability to pay dividends to the Company is restricted by the laws and regulations of the State of South Carolina. Generally, these restrictions allow the Bank to pay dividends from current earnings without the prior written consent of the South Carolina Commissioner of Banking, if it received a satisfactory rating at its most recent examination. Cash dividends when declared, are paid by the Bank to the Company for distribution to shareholders of the Company. The Bank paid dividends of $3.8 million, $4.7 million and $4.2 million, to the Company during the years ended December 31, 2021, 2020 and 2019, respectively.
XML 43 R25.htm IDEA: XBRL DOCUMENT v3.22.0.1
INCOME PER COMMON SHARE
 12 Months Ended
Dec. 31, 2021
Earnings Per Share [Abstract]  
INCOME PER COMMON SHARE

 

17. INCOME PER COMMON SHARE

 

The following table is a summary of the reconciliation of weighted average shares outstanding for the years ended December 31:

 

                   
   2021   2020   2019 
Net income  $6,744,865   $6,460,631   $7,318,433 
                
Weighted average shares outstanding   5,531,518    5,526,948    5,522,025 
Effect of dilutive shares   148,964    151,595    66,065 
Weighted average shares outstanding - diluted   5,680,482    5,678,543    5,588,090 
                
Earnings per share - basic  $1.22   $1.17   $1.33 
Earnings per share - diluted  $1.19   $1.14   $1.31 

 
XML 44 R26.htm IDEA: XBRL DOCUMENT v3.22.0.1
REGULATORY CAPITAL REQUIREMENTS
 12 Months Ended
Dec. 31, 2021
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]  
REGULATORY CAPITAL REQUIREMENTS

 

18. REGULATORY CAPITAL REQUIREMENTS

 

The Company and the Bank are subject to various capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company and the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgements by the regulators about components, risk weightings, and other factors.

 

On July 2, 2013, the Federal Reserve Board approved the final rules implementing the Basel Committee on Banking Supervision’s (“BCBS”) capital guidelines for U.S. banks (“Basel III”). Following the actions by the Federal Reserve, the FDIC also approved regulatory capital requirements on July 9, 2013. The FDIC’s rule is identical in substance to the final rules issued by the Federal Reserve Bank.

 

Basel III became effective on January 1, 2015 and its purpose is to improve the quality and increase the quantity of capital for all banking organizations. The minimum requirements for the quantity and quality of capital were increased. The rule includes a new common equity Tier 1 capital (as defined in the regulation) to risk-weighted assets ratio of 4.50% and a common equity Tier 1 capital conservation buffer of 2.50% of risk-weighted assets. The rule also raises the minimum ratio of Tier 1 capital to risk-weighted assets from 4.00% to 6.00% and requires a minimum leverage ratio of 4.00%. In addition, the rule also implements strict eligibility criteria for regulatory capital instruments and improves the methodology for calculating risk-weighted assets to enhance risk sensitivity. All final rule requirements will be phased in over a multi-year schedule.

 

 

On November 4, 2019, the federal banking agencies jointly issued a final rule on an optional, simplified measure of capital adequacy for qualifying community banking organizations called the community bank leverage ratio (“CBLR”) framework effective on January 1, 2020. A qualifying community banking organization is defined as having less than $10 billion in total consolidated assets, a leverage ratio greater than 9%, off-balance sheet exposures of 25% or less of total consolidated assets, and trading assets and liabilities of 5% or less of total consolidated assets. Additionally, the qualifying community banking institution must be a non-advanced approaches FDIC supervised institution. The final rule adopts Tier 1 capital and existing leverage ratio into the CBLR framework. The Bank adopted this rule as of September 30, 2020 and is no longer subject to other capital and leverage requirements. Under the CBLR framework, a qualifying community banking organization is deemed to have met the “well capitalized” ratio requirements and be in appliance with the generally applicable capital rule.

 

The following table presents the actual CBLR for the Bank and Company at:

 

    December 31, 2021   December 31, 2020 
Bank    8.66%   10.19%
Company    9.30%   10.72%

 

We believe that the Company and the Bank meet all capital adequacy requirements to which they were subject at December 31, 2021 and 2020.
XML 45 R27.htm IDEA: XBRL DOCUMENT v3.22.0.1
DISCLOSURES REGARDING FAIR VALUE OF FINANCIAL INSTRUMENTS
 12 Months Ended
Dec. 31, 2021
Fair Value Disclosures [Abstract]  
DISCLOSURES REGARDING FAIR VALUE OF FINANCIAL INSTRUMENTS

 

19. DISCLOSURES REGARDING FAIR VALUE OF FINANCIAL INSTRUMENTS

 

 

Fair value measurements apply whenever GAAP requires or permits assets or liabilities to be measured at fair value either on a recurring or nonrecurring basis. Fair value is the price that would be received to sell an asset or paid to transfer a liability in the principal or most advantageous market in an orderly transaction between market participants at the measurement date. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets or liabilities; it is not a forced transaction. GAAP establishes a hierarchy for inputs used in measuring fair value that maximizes the use of observable inputs and minimizes the use of unobservable inputs. Observable inputs, which are developed based on market data we have obtained from independent sources, are ones that market participants would use in pricing an asset or liability. Unobservable inputs, which are developed based on the best information available in the circumstances, reflect our estimate of assumptions that market participants would use in pricing an asset or liability.

   
  The fair value hierarchy gives the highest priority to unadjusted quoted market prices in active markets for identical assets or liabilities (Level 1 measurement) and the lowest priority to unobservable inputs (Level 3 measurement). The fair value hierarchy is broken down into three levels based on the reliability of inputs as follows:

 

  ● Level 1: valuation is based upon unadjusted quoted market prices for identical instruments traded in active markets.
  ● Level 2: valuation is based upon quoted market prices for similar instruments traded in active markets, quoted market prices for identical or similar instruments traded in markets that are not active and model-based valuation techniques for which all significant assumptions are observable in the market or can be corroborated by market data.
  ● Level 3: valuation is derived from other valuation methodologies, including discounted cash flow models and similar techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in determining fair value.

 

  Fair value estimates are made at a specific point of time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale our entire holdings of a particular financial instrument. Because no active market exists for a significant portion of our financial instruments, fair value estimates are based on judgements regarding future expected loss experience, current economic conditions, current interest rates and prepayment trends, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgement and therefore cannot be determined with precision. Changes in any of these assumptions used in calculating fair value would also significantly affect the estimates. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of these estimates.
   
  The following paragraphs describe the valuation methodologies used for assets recorded at fair value on a recurring basis:
   
  Investment Securities Available for Sale
  Investment securities are recorded at fair value on a recurring basis and are based upon quoted prices if available. If quoted prices are not available, fair value is measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange such as the New York Stock Exchange, or by dealers or brokers in active over-the counter markets. Level 2 securities include mortgage-backed securities issued by government sponsored entities, municipal bonds and corporate debt securities. Securities classified as Level 3 include asset-backed and municipal securities in less liquid markets.

 

  Derivative Instruments
   
 

Derivative instruments include interest rate lock commitments and forward sale commitments. These instruments are valued based on the change in the value of the underlying loan between the commitment date and the end of the period. We classify these instruments as Level 3.

 

We had no embedded derivative instruments requiring separate accounting treatment. We had freestanding derivative instruments consisting of fixed rate conforming loan commitments with interest rate locks and commitments to sell fixed rate conforming loans on a best-efforts basis. We do not currently engage in hedging activities. Based on the short-term nature of mortgage loans to be sold (derivative contract), our derivative instruments were immaterial to our consolidated financial statements as of December 31, 2021 and 2020.

 

The following table presents information about assets measured at fair value on a recurring basis as of December 31, 2021 and 2020.

 

   Balance as of December 31, 2021 
   Level 1   Level 2   Level 3   Total 
U.S. Treasury Notes  $100,062,300   $—   $—   $100,062,300 
Government-Sponsored Enterprises   —    74,721,009    —    74,721,009 
Municipal Securities   —    13,080,133    24,484,047    37,564,180 
Total  $100,062,300   $87,801,142   $24,484,047   $212,347,489 
                     
   Balance as of December 31, 2020 
    Level 1    Level 2    Level 3    Total  
U.S. Treasury Notes  $20,410,550   $—   $—   $20,410,550 
Government-Sponsored Enterprises   —    97,852,806    —    97,852,806 
Municipal Securities   —    10,872,532    5,683,930    16,556,462 
Total  $20,410,550   $108,725,338   $5,683,930   $134,819,818 

 

There were no liabilities recorded at fair value on a recurring basis as of December 31, 2021 or 2020.

 

The following table reconciles the changes in assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2021 and 2020.

 

         
   December 31, 
   2021   2020 
Beginning balance  $5,683,930   $11,954,451 
Total realized/unrealized gains (losses)          
Included in earnings   —    — 
Included in other comprehensive (loss) income   (79,883)   110,479 
Purchases, issuances, and settlements net of maturities   18,880,000    (6,381,000)
Transfers in and/or out of Level 3   —    — 
Ending balance  $24,484,047   $5,683,930 

 

There were no transfers between fair value levels during the years ended December 31, 2021 or 2020.

 

The following paragraphs describe the valuation methodologies used for assets recorded at fair value on a nonrecurring basis:

 

Impaired Loans

 

Impaired loans are carried at the lower of recorded investment or fair value. The fair value of the collateral less estimated costs to sell is the most frequently used method. Typically, we review the most recent appraisal and, if it is over 12 to 18 months old, we may request a new third party appraisal. Depending on the particular circumstances surrounding the loan, including the location of the collateral, the date of the most recent appraisal and the value of the collateral relative to the recorded investment in the loan, we may order an independent appraisal immediately or, in some instances, may elect to perform an internal analysis. Specifically, as an example, in situations where the collateral on a nonperforming commercial real estate loan is out of our primary market area, we would typically order an independent appraisal immediately, at the earlier of the date the loan becomes nonperforming or immediately following the determination that the loan is impaired.

 

However, as a second example, on a nonperforming commercial real estate loan where we are familiar with the property and surrounding areas and where the original appraisal value far exceeds the recorded investment in the loan, we may perform an internal analysis whereby the previous appraisal value would be reviewed considering recent current conditions, and known recent sales or listings of similar properties in the area, and any other relevant economic trends. This analysis may result in the call for a new appraisal. These valuations are reviewed and updated on a quarterly basis.

 

In accordance with ASC 820, Fair Value Measurement, impaired loans, where an allowance is established based on the fair value of collateral, require classification in the fair value hierarchy. These impaired loans are classified as Level 3. Impaired loans measured using discounted future cash flows are not deemed to be measured at fair value.

 

Mortgage Loans to be Sold

 

Mortgage loans to be sold are carried at the lower of cost or market value. The fair values of mortgage loans to be sold are based on current market rates from investors within the secondary market for loans with similar characteristics. Carrying value approximates fair value. These loans are classified as Level 2.

 

Certain assets and liabilities are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). The following tables present information about certain assets measured at fair value on a nonrecurring basis as of December 31, 2021 and 2020.

 

   December 31, 2021 
   Level 1   Level 2   Level 3   Total 
Impaired loans  $—   $—   $1,902,879   $1,902,879 
Mortgage loans to be sold   —    2,774,388    —    2,774,388 
Total  $—   $2,774,388   $1,902,879   $4,677,267 

 

   December 31, 2020 
   Level 1   Level 2   Level 3   Total 
Impaired loans  $—   $—   $5,419,726   $5,419,726 
Mortgage loans to be sold   —    12,965,733    —    12,965,733 
Total  $—   $12,965,733   $5,419,726   $18,385,459 

 

There were no liabilities measured at fair value on a nonrecurring basis as of December 31, 2021 or 2020.

 

The following table provides information describing the unobservable inputs used in Level 3 fair value measurements at December 31, 2021:

 

    Inputs
    Valuation
Technique		  

Unobservable

Input

   General Range
of Inputs
Impaired Loans   Appraisal Value/Comparison Sales/Other Estimates   Appraisals and/or Sales of Comparable Properties   Appraisals Discounted 10% to 20% for Sales Commissions and Other Holding Costs

 

Accounting standards require disclosure of fair value information for all of our assets and liabilities that are considered financial instruments, whether or not recognized on the balance sheet, for which it is practicable to estimate fair value.

 

Under the accounting standard, fair value estimates are based on existing financial instruments without attempting to estimate the value of anticipated future business and the value of the assets and liabilities that are not financial instruments. Accordingly, the aggregate fair value amounts of existing financial instruments do not represent the underlying value of those instruments on our books.

 

The following paragraphs describe the methods and assumptions we use in estimating the fair values of financial instruments:

 

a. Cash and due from banks, interest-bearing deposits at the Federal Reserve Bank

The carrying value approximates fair value. All instruments mature within 90 days and do not present unanticipated credit concerns.

 

b. Investment securities available for sale 

Investment securities available for sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions.

 

c. Loans 

The fair value of the Company’s loan portfolio includes a credit risk assumption in the determination of the fair value of its loans. This credit risk assumption is intended to approximate the fair value that a market participant would realize in a hypothetical orderly transaction. The Company’s loan portfolio is initially fair valued using a segmented approach. The Company divides its loan portfolio into the following categories: variable rate loans, impaired loans and all other loans. The results are then adjusted to account for credit risk as described above. However, under the new guidance, the Company believes a further credit risk discount must be applied through the use of a discounted cash flow model to compensate for illiquidity risk, based on certain assumptions included within the discounted cash flow model, primarily the use of discount rates that better capture inherent credit risk over the lifetime of a loan. Additionally, in accordance with ASU 2016-01, Recognition and Measurement of Financial Assets and Liabilities, this consideration of enhanced credit risk provides an estimated exit price for the Company’s loan portfolio.

 

For variable-rate loans that reprice frequently and have no significant change in credit risk, fair values approximate carrying values. Fair values for impaired loans are estimated using discounted cash flow models or based on the fair value of the underlying collateral.

 

d. Deposits 

The estimated fair value of deposits with no stated maturity is equal to the carrying amount. The fair value of time deposits is estimated by discounting contractual cash flows, using interest rates currently being offered on the deposit products. The fair value estimates for deposits do not include the benefit that results from the low-cost funding provided by the deposit liabilities as compared to the cost of alternative forms of funding (deposit base intangibles).

 

e. Accrued interest receivable and payable 

Since these financial instruments will typically be received or paid within three months, the carrying amounts of such instruments are deemed a reasonable estimate of fair value.

 

f. Loan commitments 

Estimates of the fair value of these off-balance sheet items are not made because of the short-term nature of these arrangements and the credit standing on the counterparties.

 

The following tables present the carrying amount, fair value, and placement in the fair value hierarchy of our financial instruments as of December 31, 2021 and 2020, respectively.

 

   Fair Value Measurements at December 31, 2021 
   Carrying
Amount		   Estimated
Fair Value		   Level 1   Level 2   Level 3 
Financial Assets:                         
Cash and due from banks  $11,140,559   $11,140,559   $11,140,559   $—   $— 
Interest-bearing deposits at the Federal Reserve   128,971,429    128,971,429    128,971,429    —    — 
Investment securities available for sale   212,347,489    212,347,489    100,062,300    87,801,142    24,484,047 
Mortgage loans to be sold   2,774,388    2,774,388    —    2,774,388    — 
Loans, net   302,255,242    293,731,997    —    —    293,731,997 
Accrued interest receivable   1,404,227    1,404,227    —    1,404,227      
Financial Liabilities:                         
Demand deposits   587,903,356    587,903,356    —    587,903,356    — 
Time deposits   21,288,220    21,428,310    —    21,428,310    — 
Accrued interest payable   14,914    14,914    —    14,914    — 

 

   Fair Value Measurements at December 31, 2020 
   Carrying
Amount		   Estimated
Fair Value		   Level 1   Level 2   Level 3 
Financial Assets:                         
Cash and due from banks  $5,977,896   $5,977,896   $5,977,896   $—   $— 
Interest-bearing deposits at the Federal Reserve   42,348,085    42,348,085    42,348,085    —    — 
Investment securities available for sale   134,819,818    134,819,818    20,410,550    108,725,338    5,683,930 
Mortgage loans to be sold   12,965,733    12,965,733    —    12,965,733    — 
Loans, net   316,616,979    308,721,680    —    —    308,721,680 
Accrued interest receivable   1,595,629    1,595,629    —    1,595,629      
Financial Liabilities:                         
Demand deposits   441,498,500    441,498,500    —    441,498,500    — 
Time deposits   20,699,131    20,294,852    —    20,294,852    — 
Accrued interest payable   20,707    20,707    —    20,707    — 

 
XML 46 R28.htm IDEA: XBRL DOCUMENT v3.22.0.1
BANK OF SOUTH CAROLINA CORPORATION - PARENT COMPANY
 12 Months Ended
Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]  
BANK OF SOUTH CAROLINA CORPORATION - PARENT COMPANY

 

20. BANK OF SOUTH CAROLINA CORPORATION - PARENT COMPANY
   
 

The Company’s principal source of income is dividends from the Bank. Certain regulatory requirements restrict the amount of dividends which the Bank can pay to the Company. The Company’s principal asset is its investment in its Bank subsidiary. The Company’s condensed statements of financial condition as of December 31, 2021 and 2020, and the related condensed statements of income and cash flows for the years ended December 31, 2021, 2020 and 2019, are as follows:

 

Condensed Statements of Financial Condition

 

           
     December 31  
   2021   2020 
Assets          
Cash  $1,233,354   $1,723,556 
Investment in wholly-owned bank subsidiary   53,327,296    53,934,084 
Other assets   298,998    261,196 
Total assets  $54,859,648   $55,918,836 
           
Liabilities and shareholders’ equity          
Other liabilities  $942,015   $938,480 
Shareholders’ equity   53,917,633    54,980,356 
Total liabilities and shareholders’ equity  $54,859,648   $55,918,836 

 

 

Condensed Statements of Income

 

                       
   For the year ended December 31, 
   2021   2020   2019 
Interest income  $288   $759   $1,280 
Net operating expenses   (256,471)   (255,409)   (221,510)
Dividends received fom bank   3,805,000    4,700,000    4,170,000 
Equity in undistributed earnings of subsidiary   3,196,048    2,015,281    3,368,663 
Net income  $6,744,865   $6,460,631   $7,318,433 

 

 

Condensed Statements of Cash Flows

 

                       
   For the year ended December 31, 
   2021   2020   2019 
Cash flows from operating activities:               
Net income  $6,744,865   $6,460,631   $7,318,433 
Stock-based compensation expense   103,033    92,986    78,053 
Equity in undistributed earnings of subsidiary   (3,196,048)   (2,015,280)   (3,368,663)
Decrease in other assets   (37,802)   (36,590)   (45,979)
Increase in other liabilities   (1)   —    — 
Net cash provided by operating activities   3,614,047    4,501,747    3,981,844 
                
Cash flows from financing activities:               
Dividends paid   (4,312,138)   (3,592,841)   (4,031,157)
Repurchase of common shares   —    (398,868)   — 
Stock options exercised   207,889    117,044    138,286 
Net cash used by financing activities   (4,104,249)   (3,874,665)   (3,892,871)
                
Net (decrease) increase in cash   (490,202)   627,082    88,973 
Cash at the beginning of the year   1,723,556    1,096,474    1,007,501 
Cash at the end of the year  $1,233,354   $1,723,556   $1,096,474 
                
Supplemental disclosure for non-cash investing and financing activity               
Change in dividends payable  $3,536   $53,680   $58,163 

 
XML 47 R29.htm IDEA: XBRL DOCUMENT v3.22.0.1
QUARTERLY RESULTS OF OPERATIONS (UNAUDITED)
 12 Months Ended
Dec. 31, 2021
Quarterly Financial Information Disclosure [Abstract]  
QUARTERLY RESULTS OF OPERATIONS (UNAUDITED)

 

21. QUARTERLY RESULTS OF OPERATIONS (UNAUDITED)

 

The tables below represent the quarterly results of operations for the years ended December 31, 2021 and 2020, respectively:

 

                               
   2021 
   Fourth   Third   Second   First 
                     
Total interest and fee income  $4,345,017   $4,201,069   $4,363,910   $4,641,115 
Total interest expense   37,840    39,319    42,317    54,524 
Net interest income   4,307,177    4,161,750    4,321,593    4,586,591 
Provision for loan losses   —    —    —    120,000 
Net interest income after provision for loan losses   4,307,177    4,161,750    4,321,593    4,466,591 
Total other income   842,935    1,138,431    946,951    939,914 
Total other expense   3,146,129    3,047,534    3,084,596    3,030,715 
Income before income tax expense   2,003,983    2,252,647    2,183,948    2,375,790 
Income tax expense   464,814    525,710    515,264    565,715 
Net income  $1,539,169   $1,726,937   $1,668,684   $1,810,075 
                     
Basic income per common share  $0.28   $0.31   $0.30   $0.33 
Diluted income per common share  $0.27   $0.30   $0.29   $0.32 

 

                               
   2020 
   Fourth   Third   Second   First 
Total interest and fee income  $4,442,774   $4,292,345   $4,203,211   $4,301,426 
Total interest expense   63,139    72,198    76,005    94,072 
Net interest income   4,379,635    4,220,147    4,127,206    4,207,354 
Provision for loan losses   200,000    40,000    —    — 
Net interest income after provision for loan losses   4,179,635    4,180,147    4,127,206    4,207,354 
Total other income   1,095,596    978,052    703,622    627,631 
Total other expense   3,011,191    2,934,998    2,870,223    2,856,521 
Income before income tax expense   2,264,040    2,223,201    1,960,605    1,978,464 
Income tax expense   528,834    519,930    459,582    457,333 
Net income  $1,735,206   $1,703,271   $1,501,023   $1,521,131 
                     
Basic income per common share  $0.31   $0.31   $0.27   $0.28 
Diluted income per common share  $0.31   $0.30   $0.26   $0.27 

 
XML 48 R30.htm IDEA: XBRL DOCUMENT v3.22.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)
 12 Months Ended
Dec. 31, 2021
Accounting Policies [Abstract]  
Principles of Consolidation

Principles of Consolidation:  

The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, the Bank. In consolidation, all significant intercompany balances and transactions have been eliminated.

 

References to “we,” “us,” “our,” “the Bank,” or “the Company” refer to the parent and its subsidiary that are consolidated for financial reporting purposes.
Accounting Estimates and Assumptions

Accounting Estimates and Assumptions:  

The financial statements are prepared in conformity with GAAP, which require management to make estimates and assumptions. These estimates and assumptions affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reported periods. Actual results could differ significantly from these estimates and assumptions. Material estimates generally susceptible to significant change are related to the determination of the allowance for loan losses, impaired loans, other real estate owned, deferred tax assets, the fair value of financial instruments and other-than-temporary impairment of investment securities.
Reclassification

Reclassification:  

Certain amounts in the prior years’ financial statements have been reclassified to conform to the current year’s presentation. Such reclassifications have no effect on shareholders’ equity or the net income as previously reported.
Subsequent Events

Subsequent Events:  

Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed as of the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist as of the date of the balance sheet but arose after that date. We have reviewed events occurring through the date the financial statements were available to be issued and no subsequent events occurred requiring accrual or disclosure.
Cash and Cash Equivalents

Cash and Cash Equivalents:  

Cash and cash equivalents include working cash funds, due from banks, interest-bearing deposits at the Federal Reserve, items in process of collection and federal funds sold. All cash equivalents are readily convertible to cash and have maturities of less than 90 days.

 

Depository institutions are required to maintain reserve and clearing balances at the Federal Reserve Bank. Vault cash satisfied our daily reserve requirement for the years ended December 31, 2021 and 2020.  
Interest-bearing Deposits at the Federal Reserve

Interest-bearing Deposits at the Federal Reserve:  

Interest-bearing deposits at the Federal Reserve mature daily and are carried at cost.
Investment Securities

Investment Securities:  

We classify investments into three categories: (1) Held to Maturity - debt securities that we have the positive intent and ability to hold to maturity, which are reported at amortized cost, adjusted for the amortization of any related premiums or the accretion of any related discounts into interest income using a methodology which approximates a level yield of interest over the estimated remaining period until maturity; (2) Trading - debt securities that are bought and held principally for the purpose of selling them in the near term, which are reported at fair value, with unrealized gains and losses included in earnings; and (3) Available for Sale - debt securities that may be sold under certain conditions, which are reported at fair value, with unrealized gains and losses excluded from earnings and reported as a separate component of shareholders’ equity, net of income taxes. Unrealized losses on securities due to fluctuations in fair value are recognized when it is determined that an other than temporary decline in value has occurred.

 

Realized gains or losses on the sale of investments are recognized on a specific identification, trade date basis. All securities were classified as available for sale for 2021 and 2020.
Mortgage Loans to be Sold

Mortgage Loans to be Sold:  

We originate fixed and variable rate residential mortgage loans on a service release basis in the secondary market. Loans closed but not yet settled with an investor are carried in our loans to be sold portfolio.   Virtually all of these loans have commitments to be purchased by investors and the majority of these loans were locked in by price with the investors on the same day or shortly thereafter that the loan was locked in with our customers.  Therefore, these loans present very little market risk.  We usually deliver to, and receive funding from, the investor within 30 to 60 days.  Commitments to sell these loans to the investor are considered derivative contracts and are sold to investors on a “best efforts” basis. We are not obligated to deliver a loan or pay a penalty if a loan is not delivered to the investor. Because of the short-term nature of these derivative contracts, the fair value of the mortgage loans to be sold in most cases is materially the same as the value of the loan amount at its origination.

 

Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated market value in the aggregate. Net unrealized losses are provided for in a valuation allowance by charges to operations as a component of mortgage banking income. Gains or losses on sales of loans are recognized when control over these assets are surrendered and are included in mortgage banking income in the consolidated statements of income.
Loans and Allowance for Loan Losses

Loans and Allowance for Loan Losses:   

Loans are carried at principal amounts outstanding. Loan origination fees, net of certain direct origination costs, are deferred and recognized over the weighted average life of the loan as an adjustment to yield. Interest income on all loans is recorded on an accrual basis. The accrual of interest and the amortization of net loan fees are generally discontinued on loans that 1) are maintained on a cash basis because of deterioration in the financial condition of the borrower; 2) the payment of full principal is not expected; or 3) the principal or interest has been in default for a period of 90 days or more. We define past due loans based on contractual payment and maturity dates.

 

The accrual of interest is generally discontinued on loans that become 90 days past due as to principal or interest. The accrual of interest on some loans may continue even though they are 90 days past due if the loans are well secured or in the process of collection and management deems it appropriate. If non-accrual loans decrease their past due status to less than 30 days for a period of six to nine months, they are reviewed individually by management to determine if they should be returned to accrual status.

 

When the ultimate collectability of an impaired loan’s principal is in doubt, wholly or partially, all cash receipts are applied to principal. Once the recorded principal balance has been reduced to zero, future cash receipts are applied to interest income, to the extent that any interest has been foregone. Further cash receipts are recorded as recoveries of any amounts previously charged off. When this doubt does not exist, cash receipts are applied under the contractual terms of the loan agreement first to interest income and then to principal.  

 

We account for impaired loans by requiring that all loans (greater than $50,000) where it is estimated that we will be unable to collect all amounts due according to the terms of the loan agreement be recorded at the loan’s fair value. Fair value may be determined based upon the present value of expected future cash flows discounted at the loan’s effective interest rate, or the fair value of the collateral less cost to sell, if the loan is collateral dependent.

 

Additional accounting guidance allows us to use existing methods for recognizing interest income on an impaired loan. The guidance also requires additional disclosures about how we estimate interest income related to our impaired loans.

 

A loan is also considered impaired if its terms are modified in a troubled debt restructuring (“TDR”). For this type of impaired loan, cash receipts are typically applied to principal and interest receivable in accordance with the terms of the restructured loan agreement. Interest income is recognized on these loans using the accrual method of accounting, provided they are performing in accordance with their restructured terms.

 

The allowance for loan losses (the “allowance”) is our estimate of credit losses inherent in the loan portfolio. The allowance is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when we believe the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance is evaluated on a regular basis and is based upon our periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.

 

We believe that the allowance is adequate to absorb inherent losses in the loan portfolio; however, there can be no assurance that loan losses in future periods will not exceed the current allowance amount or that future increases in the allowance will not be required. No assurance can be given that our ongoing evaluation of the loan portfolio, in light of changing economic conditions and other relevant circumstances, will not require significant future additions to the allowance, thus adversely affecting our operating results.

 

The allowance is also subject to examination by regulatory agencies, which may consider factors such as the methodology used to determine adequacy and the size of the allowance relative to that of peer institutions and other adequacy tests. In addition, such regulatory agencies could require us to adjust our allowance based on information available at the time of the examination.

 

The methodology used to determine the reserve for unfunded lending commitments, which is included in other liabilities, is inherently similar to the methodology used to determine the allowance adjusted for factors specific to binding commitments, including the probability of funding and historical loss ratio.
Concentration of Credit Risk

Concentration of Credit Risk:  

Our primary market consists of the counties of Berkeley, Charleston and Dorchester, South Carolina. As of December 31, 2021, the majority of the total loan portfolio, as well as a substantial portion of the commercial and real estate loan portfolios, were to borrowers within this region. No other areas of significant concentration of credit risk have been identified.
Premises, Equipment and Leasehold Improvements and Depreciation

Premises, Equipment and Leasehold Improvements and Depreciation:  

Land is carried at cost. Buildings and equipment are stated at cost less accumulated depreciation. Depreciation is recorded using the straight-line method for financial reporting purposes and accelerated methods for income tax purposes over the estimated useful lives of the assets ranging from 40 years for buildings and 3 to 15 years for equipment. Leasehold improvements are amortized over the shorter of the asset’s useful life or the remaining lease term, including renewal periods when reasonably assured. The cost of maintenance and repairs is charged to operating expense as incurred.
Leases

Leases:

In accordance with ASU 2016-02, the Company determines if a contractual arrangement is a lease at inception. Operating leases are included in the operating right of use (“ROU”) assets and current operating lease liabilities on the Company’s consolidated balance sheet. ROU assets represent the Company’s right to use an underlying asset for the lease term and lease liabilities represent the Company’s obligation to make lease payments arising from the lease. Currently, the Company does not have any finance leases.

 

Beginning January 1, 2019, operating lease ROU assets and lease liabilities are recognized at the commencement of the lease based on the present value of lease payments over the lease term. The lease payments included in the present value are fixed payments and index-based variable lease payments. The Company estimates the incremental borrowing rate, based on information available at the commencement of the lease, as most of the Company’s leases do not include an implicit rate.
Income Taxes

Income Taxes:  

We account for income taxes under the asset and liability method. Deferred tax assets and liabilities are recognized for future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using the enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Net deferred tax assets are included in other assets in the consolidated balance sheet.

 

Accounting standards require the accounting for uncertainty in income taxes recognized in an enterprise’s financial statements. These standards also prescribe a recognition threshold and measurement of a tax position taken or expected to be taken in an enterprise’s tax return. We believe that we had no uncertain tax positions for the years ended December 31, 2021 and 2020.

 

The income tax effects of unrealized gains and losses on investment securities available for sale are released from accumulated other comprehensive income at the time such securities are sold or impaired.
Stock-Based Compensation

Stock-Based Compensation:  

Compensation cost is recognized for stock options issued to employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options. Compensation cost is recognized over the expected term of the stock options and is adjusted for forfeitures as they occur.
Income Per Common Share

Income Per Common Share:  

Basic income per share is computed by dividing net income by the weighted-average number of common shares outstanding. Diluted earnings per share is computed by dividing net income by the weighted-average number of common shares and potential common shares outstanding. Potential common shares consist of dilutive stock options determined using the treasury stock method and the average market price of common stock. Earnings per share are restated for all stock splits and stock dividends through the date of issuance of the consolidated financial statements.
Segment Information

Segment Information:  

The Company operates and manages itself within one retail banking segment and therefore has not provided segment disclosures.
Interest Rate Lock Commitments and Forward Sale Contracts

Interest Rate Lock Commitments and Forward Sale Contracts:  

Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as free-standing derivatives. The fair value of the interest rate lock is recorded at the time the commitment to fund the mortgage loan is executed and is adjusted for the expected exercise of the commitments before the loan is funded. In order to hedge the change in interest rates resulting from commitments to fund the loans, we enter into forward commitments for the future delivery of mortgage loans when the interest rate is locked. Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked. Changes in the fair values of these derivatives are included in income when they occur. As a result of the short-term nature of mortgage loans held for sale (derivative contract), our derivative instruments were considered to be immaterial as of December 31, 2021 and 2020.

 

We had no embedded derivative instruments requiring hedge accounting treatment at December 31, 2021 and 2020. We do not currently engage in hedging activities.
Recent Accounting Pronouncements

Recent Accounting Pronouncements:  

The following is a summary of recent authoritative pronouncements that could impact the accounting, reporting and/or disclosure of financial information by the Company.

 

In June 2016, the FASB issued ASU 2016-13, Financial instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, to change the accounting for credit losses and modify the impairment model for certain debt securities. ASU 2016-13 changes the impairment model for most financial assets to a current expected credit loss ("CECL") model, replacing the incurred loss model that is currently in use. The new guidance requires an entity to measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable supportable forecasts. The CECL model will apply to financial assets measured at amortized cost, such as loans and investments, as well as certain off-balance sheet credit exposures. In May 2019, the FASB issued guidance to provide entities with an option to irrevocably elect the fair value option, applied on an instrument-by-instrument basis for eligible instruments, upon adoption of ASU 2016-13, Measurement of Credit Losses on Financial Instruments. In October 2019, the FASB voted to extend the implementation date for smaller reporting companies, non-SEC public companies, and private companies. This amendment will become effective for the Company on January 1, 2023. In connection with its efforts to implement ASU 2016-13, the Company internally developed and tested a model to apply the provisions of this guidance upon adoption. The Company is currently in the process of evaluating the impact on the consolidated financial statements of adopting ASU 2016-13. The actual impact of adopting ASU 2016-13 will be influenced by the quality, composition, and characteristics of our loan and investment portfolios, as well as the expected economic conditions and forecasts at the time of adoption and future reporting periods. 

 

In December 2019, the FASB issued ASU 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes, which provides guidance to simply accounting for income taxes by removing specific technical exceptions that can produce information investors do not understand. The amendments improve and simplify the application of GAAP for other areas of Topic 740 by clarifying and amending the existing guidance. The amendment became effective January 1, 2021 and did not have a material effect on the consolidated financial statements.

 

In January 2020, the FASB issued guidance to address accounting for the transition into and out of the equity method and measuring certain purchased options and forward contracts to acquire investments. The amendment became effective January 1, 2021 and did not have a material effect on the consolidated financial statements.

 

In March 2020, the FASB issued guidance that makes narrow-scope improvements to various aspects of the financial instrument guidance, including the current expected credit losses (CECL) guidance issued in 2016. The amendments related to conforming amendments. For public business entities, the amendments are effective upon issuance of this final ASU. For the amendments related to ASU 2016-13, public business entities that meet the definition of an SEC filer, excluding eligible smaller reporting companies (SRCs) as defined by the SEC, should adopt the amendments in ASU 2016-13 during 2020. Early adoption will continue to be permitted. For entities that have not yet adopted the guidance in ASU 2016-13, the effective dates and the transition requirements for these amendments are the same as the effective date and transition requirements in ASU 2016-13. The Company does not expect these amendments to have a material effect on its consolidated financial statements.

 

In March 2020, the FASB issued guidance to provide temporary optional guidance to ease the potential burden in accounting for reference rate reform. The amendments are effective as of March 12, 2020 through December 31, 2022. The Company does not expect these amendments to have a material effect on its consolidated financial statements.

 

In January 2021, the FASB issued amendments to clarify that certain optional expedients and exceptions in the reference rate reform topic for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. The amendments were effective immediately upon issuance. The amendments did not have a material effect on the Company’s consolidated financial statements.

 

In August 2021, the FASB issued amendments to update SEC paragraphs in the Accounting Standards Codification to reflect the issuance of SEC Release No. 33-10786, Amendments to Financial Disclosures about Acquired and Disposed Businesses, and No. 33-10835, Update of Statistical Disclosures for Bank and Savings and Loan Registrants. The amendments were effective upon issuance. The amendments did not have a material effect on the Company’s consolidated financial statements.

 

In November 2021, the FASB added a topic to the Accounting Standards Codification, Government Assistance, to require certain annual disclosures about transactions with a government that are accounted for by applying a grant or contribution accounting model by analogy to other accounting guidance. The guidance is effective for financial statements issued for annual periods beginning after December 15, 2021. The Company does not expect these amendments to have a material effect on its consolidated financial statements.

 

Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on our financial position, results of operations or cash flows.  
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INVESTMENT SECURITIES AVAILABLE FOR SALE (Tables)
 12 Months Ended
Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]  
The amortized cost and fair value of investment securities available for sale are summarized as follows.

The amortized cost and fair value of investment securities available for sale are summarized as follows.

 

   December 31, 2021 
   Amortized
Cost		   Gross
Unrealized
Gains		   Gross
Unrealized
Losses		   Estimated
Fair Value		 
U.S. Treasury Notes  $101,269,851   $68,848   $(1,276,399)  $100,062,300 
Government-Sponsored Enterprises   76,355,720    275,123    (1,909,834)   74,721,009 
Municipal Securities   37,421,880    335,912    (193,612)   37,564,180 
Total  $215,047,451   $679,883   $(3,379,845)  $212,347,489 

 

   December 31, 2020 
   Amortized
Cost		   Gross
Unrealized
Gains		   Gross
Unrealized
Losses		   Estimated
Fair Value		 
U.S. Treasury Notes  $20,036,549   $374,001   $—   $20,410,550 
Government-Sponsored Enterprises   96,614,182    1,398,884    (160,260)   97,852,806 
Municipal Securities   16,055,332    501,130    —    16,556,462 
Total  $132,706,063   $2,274,015   $(160,260)  $134,819,818 
The amortized cost and estimated fair value of investment securities available for sale at December 31, 2021 and 2020, by contractual maturity are in the following table.

The amortized cost and estimated fair value of investment securities available for sale at December 31, 2021 and 2020, by contractual maturity are in the following table.

 

   December 31, 2021   December 31, 2020 
   Amortized
Cost		   Estimated
Fair Value		   Amortized
Cost		   Estimated
Fair Value		 
Due in one year or less  $12,756,176   $12,859,086   $32,245,646   $32,622,890 
Due in one year to five years   116,602,790    115,896,465    40,022,194    41,258,370 
Due in five years to ten years   76,531,464    74,575,862    50,438,223    50,968,288 
Due in ten years and over   9,157,021    9,016,076    10,000,000    9,970,270 
                     
Total  $215,047,451   $212,347,489   $132,706,063   $134,819,818 
The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2021 and 2020.

The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2021 and 2020. We believe that all unrealized losses have resulted from temporary changes in the interest rate market and not as a result of credit deterioration. We do not intend to sell and it is not likely that we will be required to sell any of the securities referenced in the table below before recovery of their amortized cost.

 

   December 31, 2021 
   Less Than 12 Months   12 Months or Longer   Total 
   #   Fair
Value		   Gross Unrealized
Loss		   #   Fair
Value		   Gross Unrealized
Loss		   #   Fair
Value		   Gross Unrealized
Loss		 
U.S. Treasury Notes   15   $94,994,915   $(1,276,399)   —   $—   $—    15   $94,994,915   $(1,276,399)
Government-Sponsored Enterprises   3    19,480,595    (519,405)   6    39,909,134    (1,390,429)   9    59,389,729    (1,909,834)
Municipal Securities   19    11,384,462    (193,612)   —    —    —    19    11,384,462    (193,612)
                                              
Total   37   $125,859,972   $(1,989,416)   6   $39,909,134   $(1,390,429)   43   $165,769,106   $(3,379,845)

 

   December 31, 2020 
   Less Than 12 Months   12 Months or Longer   Total 
   #   Fair
Value		   Gross Unrealized
Loss		   #   Fair
Value		   Gross Unrealized
Loss		   #   Fair
Value		   Gross Unrealized
Loss		 
U.S. Treasury Notes   —   $—   $—    —   $—   $—    —   $—   $— 
Government-Sponsored Enterprises   4    29,839,740    (160,260)   —    —    —    4    29,839,740    (160,260)
Municipal Securities   —    —    —    —    —    —    —    —    — 
                                              
Total   4   $29,839,740   $(160,260)   —   $—   $—    4   $29,839,740   $(160,260)
The table below shows the proceeds received from sales of securities available for sale and gross realized gains and losses.

The table below shows the proceeds received from sales of securities available for sale and gross realized gains and losses.

 

                       
   For the Year Ended December 31, 
   2021   2020   2019 
Gross proceeds  $15,572,500   $11,550,000   $30,412,250 
Gross realized gains   266,944    10,002    114,888 
Gross realized losses   —    —    (64,181)
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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)
 12 Months Ended
Dec. 31, 2021
Receivables [Abstract]  
Major classifications of loans

 

Major classifications of loans (net of deferred loan fees of $488,481 at December 31, 2021, and $676,155 at December 31, 2020) are shown in the table below. 

 

   December 31, 2021   December 31, 2020 
Commercial  $45,804,434   $51,041,397 
Commercial real estate:          
Construction   12,054,095    14,813,726 
Other   165,719,078    146,187,886 
Consumer:          
Real estate   71,307,488    71,836,041 
Other   3,768,531    4,480,491 
Paycheck protection program   7,978,603    32,443,132 
    306,632,229    320,802,673 
Allowance for loan losses   (4,376,987)   (4,185,694)
Loans, net  $302,255,242   $316,616,979 
The following tables illustrate credit risks by category and internally assigned grades at December 31, 2021 and 2020.

The following tables illustrate credit risks by category and internally assigned grades at December 31, 2021 and 2020. “Pass” includes loans internally graded as excellent, good and satisfactory.

 

December 31, 2021 
    Commercial   Commerical
Real Estate
Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck
Protection
Program		   Total 
Pass   $43,853,889   $11,616,118   $159,825,281   $69,920,347   $3,565,716   $7,978,603   $296,759,954 
Watch    450,319    437,977    3,082,408    862,938    133,418    —    4,967,060 
OAEM    36,749    —    1,158,268    274,445    29,244    —    1,498,706 
Substandard    1,463,477    —    1,653,121    249,758    40,153    —    3,406,509 
Doubtful    —    —    —    —    —    —    — 
Loss    —    —    —    —    —    —    — 
Total   $45,804,434   $12,054,095   $165,719,078   $71,307,488   $3,768,531   $7,978,603   $306,632,229 

 

December 31, 2020 
    Commercial   Commercial
Real Estate
Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck
Protection
Program		   Total 
Pass   $44,903,134   $14,349,065   $125,111,378   $70,454,909   $4,171,858   $32,443,132   $291,433,476 
Watch    3,415,408    464,661    15,200,992    467,163    219,954    —    19,768,178 
OAEM    1,039,647    —    1,784,296    623,226    46,783    —    3,493,952 
Substandard    1,683,208    —    4,091,220    290,743    41,896    —    6,107,067 
Doubtful    —    —    —    —    —    —    — 
Loss    —    —    —    —    —    —    — 
Total   $51,041,397   $14,813,726   $146,187,886   $71,836,041   $4,480,491   $32,443,132   $320,802,673 
The following tables include an aging analysis of the recorded investment in loans segregated by class.

The following tables include an aging analysis of the recorded investment in loans segregated by class.

 

    December 31, 2021  
   30-59 Days
Past Due		   60-89 Days
Past Due		   Greater than
90 Days Past Due		   Total
Past Due		   Current   Total Loans Receivable   Recorded Investment ≥
90 Days and Accruing		 
Commercial  $88,659   $—   $—   $88,659   $45,715,775   $45,804,434   $— 
Commercial Real Estate Construction   —    —    —    —    12,054,095    12,054,095    — 
Commercial Real Estate Other   59,269    288,464    337,490    685,223    165,033,855    165,719,078    — 
Consumer Real Estate   —    —    —    —    71,307,488    71,307,488    — 
Consumer Other   23,971    —    —    23,971    3,744,560    3,768,531    — 
Paycheck Protection Program   —    —    —    —    7,978,603    7,978,603      
Total  $171,899   $288,464   $337,490   $797,853   $305,834,376   $306,632,229   $— 

 

   December 31, 2020 
   30-59 Days
Past Due		   60-89 Days
Past Due		   Greater than 90 Days Past Due   Total
Past Due		   Current   Total Loans Receivable   Recorded Investment ≥
90 Days and Accruing		 
Commercial  $144,999   $27,855   $—   $172,854   $50,868,543   $51,041,397   $— 
Commercial Real Estate Construction   —    —    —    —    14,813,726    14,813,726    — 
Commercial Real Estate Other   61,597    —    923,828    985,425    145,202,461    146,187,886    — 
Consumer Real Estate   —    —    40,893    40,893    71,795,148    71,836,041    — 
Consumer Other   —    —    —    —    4,480,491    4,480,491    — 
Paycheck Protection Program   —    —    —    —    32,443,132    32,443,132      
Total  $206,596   $27,855   $964,721   $1,199,172   $319,603,501   $320,802,673   $— 
The following table summarizes the balances of non-accrual loans.

The following table summarizes the balances of non-accrual loans.

 

   Loans Receivable on Non-Accrual  
   December 31, 2021   December 31, 2020 
           
Commercial  $178,975   $178,975 
Commercial Real Estate Construction   —    — 
Commercial Real Estate Other   625,953    923,828 
Consumer Real Estate   —    40,893 
Consumer Other   9,686    12,234 
Paycheck Protection Program   —    — 
Total  $814,614   $1,155,930 
The following tables set forth the changes in the allowance and an allocation of the allowance by class at December 31, 2021, 2020, and 2019.

The following tables set forth the changes in the allowance and an allocation of the allowance by class at December 31, 2021, 2020, and 2019. The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-impaired loans and is based on historical loss experience adjusted for current economic factors.

 

                                                       
   December 31, 2021 
   Commercial   Commercial
Real Estate Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck Protection Program   Total 
Allowance for Loan Losses                                   
Beginning Balance  $1,029,310   $199,266   $1,909,121   $925,077   $122,920   $—   $4,185,694 
Charge-offs   —    —    —    —    (11,440)   (9,550)   (20,990)
Recoveries   21,329    —    —    47,711    22,367    876    92,283 
Provisions   (254,950)   (23,773)   467,185    (48,004)   (29,132)   8,674    120,000 
Ending Balance  $795,689   $175,493   $2,376,306   $924,784   $104,715   $—   $4,376,987 

 

                                                       
   December 31, 2020 
   Commercial   Commercial
Real Estate Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck Protection Program   Total 
Allowance for Loan Losses                                   
Beginning Balance  $1,429,917   $109,235   $1,270,445   $496,221   $697,940   $—   $4,003,758 
Charge-offs   (171,646)   —    —    —    (116,001)   (2,650)   (290,297)
Recoveries   88,811    —    99,801    —    43,599    22    232,233 
Provisions   (317,772)   90,031    538,875    428,856    (502,618)   2,628    240,000 
Ending Balance  $1,029,310   $199,266   $1,909,121   $925,077   $122,920   $—   $4,185,694 

 

                                                       
   December 31, 2019 
   Commercial  

Commercial 

Real Estate
Construction

   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck Protection
Program		   Total 
Allowance for Loan Losses                                   
Beginning Balance  $1,665,413   $63,876   $1,292,346   $386,585   $806,111   $—   $4,214,331 
Charge-offs   (398,685)   —    —    —    (8,342)   —    (407,027)
Recoveries   12,200    —    —    —    4,254    —    16,454 
Provisions   150,989    45,359    (21,901)   109,636    (104,083)   —    180,000 
Ending Balance  $1,429,917   $109,235   $1,270,445   $496,221   $697,940   $—   $4,003,758 
The following tables present, by class and reserving methodology, the allocation of the allowance for loan losses and the gross investment in loans.

The following tables present, by class and reserving methodology, the allocation of the allowance for loan losses and the gross investment in loans.

 

                                                       
   December 31, 2021 
   Commercial   Commercial
Real Estate Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck Protection Program   Total 
Allowance for Loan Losses                                   
Individually evaluated for impairment  $179,988   $—   $—   $—   $40,153   $—   $220,141 
Collectively evaluated for impairment   615,701    175,493    2,376,306    924,784    64,562    —    4,156,846 
Total Allowance for Loan Losses   795,689    175,493    2,376,306    924,784    104,715    —    4,376,987 
Loans Receivable                                   
Individually evaluated for impairment   1,463,477    —    1,653,121    249,758    40,153    —    3,406,509 
Collectively evaluated for impairment   44,340,957    12,054,095    164,065,957    71,057,730    3,728,378    7,978,603    303,225,720 
Total Loans Receivable  $45,804,434   $12,054,095   $165,719,078   $71,307,488   $3,768,531   $7,978,603   $306,632,229 

 

                                                       
   December 31, 2020 
   Commercial   Commercial
Real Estate Construction		   Commercial
Real Estate
Other		   Consumer
Real Estate		   Consumer
Other		   Paycheck Protection Program   Total 
Allowance for Loan Losses                                   
Individually evaluated for impairment  $357,657   $—   $36,747   $9,111   $41,896   $—   $445,411 
Collectively evaluated for impairment   671,653    199,266    1,872,374    915,966    81,024    —    3,740,283 
Total Allowance for Loan Losses   1,029,310    199,266    1,909,121    925,077    122,920    —    4,185,694 
Loans Receivable                                   
Individually evaluated for impairment   2,298,120    —    5,174,841    290,743    41,896    —    7,805,600 
Collectively evaluated for impairment   48,743,277    14,813,726    141,013,045    71,545,298    4,438,595    32,443,132    312,997,073 
Total Loans Receivable  $51,041,397   $14,813,726   $146,187,886   $71,836,041   $4,480,491   $32,443,132   $320,802,673 
As of December 31, 2021 and 2020, loans individually evaluated for impairment and the corresponding allowance for loan losses are presented in the following table.

As of December 31, 2021 and 2020, loans individually evaluated for impairment and the corresponding allowance for loan losses are presented in the following table.

 

   Impaired and Restructured Loans As of 
   December 31, 2021   December 31, 2020 
   Unpaid
Principal
Balance		   Recorded Investment   Related
Allowance		   Unpaid
Principal
Balance		   Recorded Investment   Related
Allowance		 
With no related allowance recorded:                              
Commercial  $1,096,407   $1,096,407   $—   $1,721,818   $1,721,818   $— 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   1,653,121    1,653,121    —    4,831,757    4,831,757    — 
Consumer Real Estate   249,758    249,758    —    249,850    249,850    — 
Consumer Other   —    —    —    —    —    — 
Paycheck Protection Program   —    —    —    —    —    — 
Total   2,999,286    2,999,286    —    6,803,425    6,803,425    — 
                               
With an allowance recorded:                              
Commercial   367,070    367,070    179,988    576,302    576,302    357,657 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   —    —    —    343,084    343,084    36,747 
Consumer Real Estate   —    —    —    40,893    40,893    9,111 
Consumer Other   40,153    40,153    40,153    41,896    41,896    41,896 
Paycheck Protection Program   —    —    —    —    —    — 
Total   407,223    407,223    220,141    1,002,175    1,002,175    445,411 
                               
Total                              
Commercial   1,463,477    1,463,477    179,988    2,298,120    2,298,120    357,657 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   1,653,121    1,653,121    —    5,174,841    5,174,841    36,747 
Consumer Real Estate   249,758    249,758    —    290,743    290,743    9,111 
Consumer Other   40,153    40,153    40,153    41,896    41,896    41,896 
Paycheck Protection Program   —    —    —    —    —    — 
Total  $3,406,509   $3,406,509   $220,141   $7,805,600   $7,805,600   $445,411 
The following table presents average impaired loans and interest income recognized on those impaired loans, by class segment, for the periods indicated.

The following table presents average impaired loans and interest income recognized on those impaired loans, by class segment, for the periods indicated.

 

   For the year ended December 31, 
   2021   2020   2019 
   Average
Recorded Investment		   Interest
Income Recognized		   Average
Recorded Investment		   Interest
Income Recognized		   Average
Recorded Investment		   Interest
Income Recognized		 
With no related allowance recorded:                              
Commercial  $1,142,667   $68,602   $1,866,590   $102,636   $1,483,982   $94,779 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   1,645,375    68,031    4,849,474    218,372    1,533,720    76,183 
Consumer Real Estate   249,777    10,615    249,813    11,580    879,753    30,400 
Consumer Other   —    —    —    —    —    — 
Paycheck Protection Program   —    —    —    —    —    — 
Total   3,037,819    147,248    6,965,877    332,588    3,897,455    201,362 
                               
With an allowance recorded:                              
Commercial   378,499    22,130    578,399    37,663    725,353    44,299 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   —    —    337,304    —    246,884    — 
Consumer Real Estate   —    —    36,483    (116)   —    — 
Consumer Other   41,133    2,674    42,089    2,743    59,240    3,487 
Paycheck Protection Program   —    —    —    —    —    — 
Total   419,632    24,804    994,275    40,290    1,031,477    47,786 
                               
Total                              
Commercial   1,521,166    90,732    2,444,989    140,299    2,209,335    139,078 
Commercial Real Estate Construction   —    —    —    —    —    — 
Commercial Real Estate Other   1,645,375    68,031    5,186,778    218,372    1,780,604    76,183 
Consumer Real Estate   249,777    10,615    286,296    11,464    879,753    30,400 
Consumer Other   41,133    2,674    42,089    2,743    59,240    3,487 
Paycheck Protection Program   —    —    —    —    —    — 
   $3,457,451   $172,052   $7,960,152   $372,878   $4,928,932   $249,148 
XML 51 R33.htm IDEA: XBRL DOCUMENT v3.22.0.1
CONCENTRATIONS OF CREDIT RISK (Tables)
 12 Months Ended
Dec. 31, 2021
Risks and Uncertainties [Abstract]  
Our loans were concentrated in the following categories.

Our loans were concentrated in the following categories.

 

   December 31, 2021   December 31, 2020 
Commercial   14.94%   15.91%
Commercial Real Estate Construction   3.93%   4.62%
Commercial Real Estate Other   54.04%   45.57%
Consumer Real Estate   23.26%   22.39%
Consumer Other   1.23%   1.40%
Paycheck Protection Program   2.60%   10.11%
Total   100.00%   100.00%
XML 52 R34.htm IDEA: XBRL DOCUMENT v3.22.0.1
PREMISES, EQUIPMENT AND LEASEHOLD IMPROVEMENTS (Tables)
 12 Months Ended
Dec. 31, 2021
Property, Plant and Equipment [Abstract]  
Premises, equipment and leasehold improvements are summarized in the table below.

Premises, equipment and leasehold improvements are summarized in the table below.

 

   December 31, 
   2021   2020 
Bank buildings  $1,861,237   $1,861,237 
Land   838,075    838,075 
Leasehold purchases   30,000    30,000 
Leasehold improvements   2,595,825    2,589,195 
Construction in progress   31,654    24,307 
Equipment   4,241,305    4,113,013 
    9,598,096    9,455,827 
Accumulated depreciation   (5,815,160)   (5,402,294)
Total  $3,782,936   $4,053,533 
XML 53 R35.htm IDEA: XBRL DOCUMENT v3.22.0.1
LEASES (Tables)
 12 Months Ended
Dec. 31, 2021
Leases  
Minimum rental commitments for these leases as of December 31, 2021 are presented in the table below.

The exercise of renewal options is based on the sole judgement of management and what they consider to be reasonably certain. Based on the market areas, past practices, and contract terms of all leases, the Bank assumed all renewal options will be exercised. Minimum rental commitments for these leases as of December 31, 2021 are presented in the table below.

 

       
2022   $1,175,080 
2023    1,175,080 
2024    1,175,080 
2025    1,175,080 
2026 and thereafter    13,403,850 
Total undisclosed lease payments   $18,104,170 
Less: effect of discounting    (4,062,327)
Present value of estimated lease payments   $14,041,843 
The table below shows lease expense components for the year ended December 31, 2021 and 2020.

The table below shows lease expense components for the year ended December 31, 2021 and 2020.

 

               
   December 31, 
Lease Expense Components:  2021   2020 
Operating lease expense  $1,139,393   $972,815 
Short-term lease expense   —    — 
Total lease expense  $1,139,393   $972,815 
XML 54 R36.htm IDEA: XBRL DOCUMENT v3.22.0.1
DEPOSITS (Tables)
 12 Months Ended
Dec. 31, 2021
Deposits:  
The scheduled maturities of certificates of deposit as of December 31, 2021 are presented in the table below

The scheduled maturities of certificates of deposit as of December 31, 2021 are presented in the table below:

 

          
2022      $19,313,002 
2023       974,891 
2024       161,337 
2025       51,945 
2026   and thereafter   787,045 
       $21,288,220 
XML 55 R37.htm IDEA: XBRL DOCUMENT v3.22.0.1
INCOME TAXES (Tables)
 12 Months Ended
Dec. 31, 2021
Income Tax Disclosure [Abstract]  
Total income taxes for the years ended December 31, 2021, 2020 and 2019 are presented in the table below.

Total income taxes for the years ended December 31, 2021, 2020 and 2019 are presented in the table below.

 

                       
   For the year ended December 31, 
   2021   2020   2019 
Income tax expense  $2,071,503   $1,965,679   $2,175,274 
Unrealized gains (losses) on securities available for sale presented in accumulated other comprehensive income (loss)   (1,010,881)   315,546    (600,765)
Total  $1,060,622   $2,281,225   $1,574,509 

 

Income tax expense was as follows:

 

                       
   For the year ended December 31, 
   2021   2020   2019 
Current income taxes               
Federal  $1,796,283   $1,543,334   $1,742,430 
State   321,971    —    — 
Total current tax expense   2,118,254    1,543,334    1,742,430 
Deferred income tax (benefit) expense   (46,751)   422,345    432,844 
Total income tax expense  $2,071,503   $1,965,679   $2,175,274 
Income tax expense was as follows:

Income tax expense was as follows:

 

                       
   For the year ended December 31, 
   2021   2020   2019 
Current income taxes               
Federal  $1,796,283   $1,543,334   $1,742,430 
State   321,971    —    — 
Total current tax expense   2,118,254    1,543,334    1,742,430 
Deferred income tax (benefit) expense   (46,751)   422,345    432,844 
Total income tax expense  $2,071,503   $1,965,679   $2,175,274 
The differences between actual income tax expense and the amounts computed by applying the U.S. federal income tax rate of 21% to pretax income from continuing operations for the periods indicated are reconciled in the table below.

The differences between actual income tax expense and the amounts computed by applying the U.S. federal income tax rate of 21% to pretax income from continuing operations for the periods indicated are reconciled in the table below.

 

                       
   For the year ended December 31, 
   2021   2020   2019 
             
Computed “expected” tax expense  $1,851,433   $1,769,525   $1,993,679 
Increase (reduction) in income taxes resulting from:               
Amortization of credit and gain   —    —    1,685 
Stock based compensation   21,637    19,527    16,391 
Valuation allowance   7,658    8,083    7,123 
Other   7,477    7,259    6,233 
State income tax, net of federal benefit   248,887    238,729    268,000 
Tax exempt interest income   (65,589)   (77,444)   (117,837)
Total income tax expense  $2,071,503   $1,965,679   $2,175,274 
The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020 are presented below.

The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020 are presented below.

 

  

 

  

 

 
    December 31, 
  

2021

  

2020

 
Deferred tax assets:          
Allowance for loan losses  $905,365   $849,159 
State credit carryforward   —   5,762 
Deferred loan fees   102,581    141,993 
Passthrough income   26,525    26,525 
State net operating loss carryforward   97,655    89,997 
Nonaccrual interest   29,246    30,528 
Other   9,432    9,432 
Total gross deferred tax assets   1,170,804    1,153,396 
Valuation allowance   (97,655)   (89,997)
Total gross deferred tax assets, net of valuation allowance   1,073,149    1,063,399 
           
Deferred tax liabilities:          
Fixed assets, principally due to differences in depreciation   (338,716)   (382,668)
Unrealized (gain) loss on securities available for sale   (1,360,199)   (443,889)
State credit carryforward   (5,672)   — 
Prepaid expenses   (29,869)   (21,633)
Other   (58,619)   (57,918)
Total deferred tax liabilities   (1,793,075)   (906,108)
           
Net deferred tax (liability) asset  $(719,926)  $157,291 
XML 56 R38.htm IDEA: XBRL DOCUMENT v3.22.0.1
RELATED PARTY TRANSACTIONS (Tables)
 12 Months Ended
Dec. 31, 2021
Related Party Transactions [Abstract]  
The table below summarizes related party loans.

The table below summarizes related party loans.

 

   December 31, 2021   December 31, 2020 
Balance at beginning of the year  $5,970,014   $2,651,907 
New loans or advances   3,693,836    5,244,062 
Repayments   (4,150,704)   (1,925,955)
Balance at the end of the year  $5,513,146   $5,970,014 
XML 57 R39.htm IDEA: XBRL DOCUMENT v3.22.0.1
OTHER EXPENSE (Tables)
 12 Months Ended
Dec. 31, 2021
Other Income and Expenses [Abstract]  
The table below summarizes the components of other operating expense.

The table below summarizes the components of other operating expense.

 

                       
   For the year ended December 31, 
   2021   2020   2019 
Telephone and postage  $ 233,667   $ 219,065   $ 182,801 
State and FDIC insurance and fees   212,284    95,353    113,117 
Supplies   63,850    74,472    103,796 
Courier service   44,825    48,048    49,200 
Insurance   56,748    53,000    43,097 
Advertising and business development   8,114    9,045    16,059 
Amortization of federal tax credit   —    —    8,022 
Other   805,966    746,502    740,948 
Total other operating expenses  $1,425,454   $1,245,485   $1,257,040 
XML 58 R40.htm IDEA: XBRL DOCUMENT v3.22.0.1
STOCK INCENTIVE PLANS (Tables)
 12 Months Ended
Dec. 31, 2021
Share-based Payment Arrangement [Abstract]  
The fair value of options granted was determined using the following weighted-average assumptions as of grant date:

The fair value of options granted was determined using the following weighted-average assumptions as of grant date:

 

                   
   2021   2020   2019 
Risk free interest rate   1.46%   0.63%   2.01%
Expected life (in years)   5.99    7.50    7.50 
Expected stock price volatility   34.18%   32.90%   33.13%
Dividend yield   4.00%   4.26%   4.28%
The following table presents a summary of the activity under the 2010, 2020 and 2021 Stock Incentive Plans for the years ended December 31:

The following table presents a summary of the activity under the 2010, 2020 and 2021 Stock Incentive Plans for the years ended December 31:

 

                                           
   2021   2020   2019 
   Shares   Weighted
Average
Exercise
Price		   Shares   Weighted
Average
Exercise
Price		   Shares   Weighted
Average
Exercise
Price		 
Outstanding, January 1   202,344   $14.89    86,097   $12.92    102,760   $11.86 
Granted   115,750    20.15    145,750    15.31    6,250    18.92 
Exercised   (22,305)   10.64    (19,298)   9.39    (22,163)   8.81 
Forfeited   (22,042)   15.07    (10,205)   15.19    (750)   18.92 
Outstanding, December 31   273,747   $17.50    202,344   $14.89    86,097   $12.92 
Exercisable at year end   7,804   $12.17    21,113   $9.77    27,459   $9.03 
The following table presents information pertaining to options outstanding at December 31, 2021.

The following table presents information pertaining to options outstanding at December 31, 2021. 

 

Exercise Price   Number of
Options
Outstanding		   Weighted
Average
Remaining
Contractual
Life		   Weighted
Average
Exercise
Price
of Options
Outstanding		   Intrinsic
Value of
Options
Outstanding		   Number of
Options
Exercisable		   Weighted
Average
Exercise
Price of
Options
Exercisable		   Intrinsic
Value of
Options
Exercisable		 
$9.18    1,149    0.50   $9.18   $10,548    1,149   $9.18   $12,409 
$12.26    3,992    2.58   $12.26   $48,942    2,395   $12.26   $18,490 
$12.40    969    2.00   $12.40   $12,016    775   $12.40   $5,876 
$13.05    8,712    3.33   $13.05   $113,692    3,485   $13.05   $24,148 
$15.21    116,250    8.33   $15.21   $1,768,163    —     $15.21   $—   
$16.73    10,000    8.33   $16.73   $167,300    —     $16.73   $—   
$18.23    32,450    6.25   $18.23   $591,564    —     $18.23   $—   
$19.00    2,750    8.33   $19.00   $52,250    —     $19.00   $—   
$19.82    7,225    8.33   $19.82   $143,200    —     $19.82   $—   
$20.04    20,250    9.59   $20.04   $405,810    —     $20.04   $—   
$21.10    70,000    9.33   $21.10   $1,477,000    —     $21.10   $—   
      273,747    8.13   $17.50   $4,790,485    7,804   $12.17   $60,923 
XML 59 R41.htm IDEA: XBRL DOCUMENT v3.22.0.1
INCOME PER COMMON SHARE (Tables)
 12 Months Ended
Dec. 31, 2021
Earnings Per Share [Abstract]  
The following table is a summary of the reconciliation of weighted average shares outstanding for the years ended December 31:

The following table is a summary of the reconciliation of weighted average shares outstanding for the years ended December 31:

 

                   
   2021   2020   2019 
Net income  $6,744,865   $6,460,631   $7,318,433 
                
Weighted average shares outstanding   5,531,518    5,526,948    5,522,025 
Effect of dilutive shares   148,964    151,595    66,065 
Weighted average shares outstanding - diluted   5,680,482    5,678,543    5,588,090 
                
Earnings per share - basic  $1.22   $1.17   $1.33 
Earnings per share - diluted  $1.19   $1.14   $1.31 
XML 60 R42.htm IDEA: XBRL DOCUMENT v3.22.0.1
REGULATORY CAPITAL REQUIREMENTS (Tables)
 12 Months Ended
Dec. 31, 2021
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]  
The following table presents the actual CBLR for the Bank and Company at:

The following table presents the actual CBLR for the Bank and Company at:

 

    December 31, 2021   December 31, 2020 
Bank    8.66%   10.19%
Company    9.30%   10.72%
XML 61 R43.htm IDEA: XBRL DOCUMENT v3.22.0.1
DISCLOSURES REGARDING FAIR VALUE OF FINANCIAL INSTRUMENTS (Tables)
 12 Months Ended
Dec. 31, 2021
Fair Value Disclosures [Abstract]  
The following table presents information about assets measured at fair value on a recurring basis as of December 31, 2021 and 2020.

The following table presents information about assets measured at fair value on a recurring basis as of December 31, 2021 and 2020.

 

   Balance as of December 31, 2021 
   Level 1   Level 2   Level 3   Total 
U.S. Treasury Notes  $100,062,300   $—   $—   $100,062,300 
Government-Sponsored Enterprises   —    74,721,009    —    74,721,009 
Municipal Securities   —    13,080,133    24,484,047    37,564,180 
Total  $100,062,300   $87,801,142   $24,484,047   $212,347,489 
                     
   Balance as of December 31, 2020 
    Level 1    Level 2    Level 3    Total  
U.S. Treasury Notes  $20,410,550   $—   $—   $20,410,550 
Government-Sponsored Enterprises   —    97,852,806    —    97,852,806 
Municipal Securities   —    10,872,532    5,683,930    16,556,462 
Total  $20,410,550   $108,725,338   $5,683,930   $134,819,818 
The following table reconciles the changes in assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2021 and 2020.

The following table reconciles the changes in assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2021 and 2020.

 

         
   December 31, 
   2021   2020 
Beginning balance  $5,683,930   $11,954,451 
Total realized/unrealized gains (losses)          
Included in earnings   —    — 
Included in other comprehensive (loss) income   (79,883)   110,479 
Purchases, issuances, and settlements net of maturities   18,880,000    (6,381,000)
Transfers in and/or out of Level 3   —    — 
Ending balance  $24,484,047   $5,683,930 
The following tables present information about certain assets measured at fair value on a nonrecurring basis as of December 31, 2021 and 2020.

Certain assets and liabilities are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). The following tables present information about certain assets measured at fair value on a nonrecurring basis as of December 31, 2021 and 2020.

 

   December 31, 2021 
   Level 1   Level 2   Level 3   Total 
Impaired loans  $—   $—   $1,902,879   $1,902,879 
Mortgage loans to be sold   —    2,774,388    —    2,774,388 
Total  $—   $2,774,388   $1,902,879   $4,677,267 

 

   December 31, 2020 
   Level 1   Level 2   Level 3   Total 
Impaired loans  $—   $—   $5,419,726   $5,419,726 
Mortgage loans to be sold   —    12,965,733    —    12,965,733 
Total  $—   $12,965,733   $5,419,726   $18,385,459 
The following table provides information describing the unobservable inputs used in Level 3 fair value measurements at December 31, 2021:

The following table provides information describing the unobservable inputs used in Level 3 fair value measurements at December 31, 2021:

 

    Inputs
    Valuation
Technique		  

Unobservable

Input

   General Range
of Inputs
Impaired Loans   Appraisal Value/Comparison Sales/Other Estimates   Appraisals and/or Sales of Comparable Properties   Appraisals Discounted 10% to 20% for Sales Commissions and Other Holding Costs
The following tables present the carrying amount, fair value, and placement in the fair value hierarchy of our financial instruments as of December 31, 2021 and 2020, respectively

The following tables present the carrying amount, fair value, and placement in the fair value hierarchy of our financial instruments as of December 31, 2021 and 2020, respectively.

 

   Fair Value Measurements at December 31, 2021 
   Carrying
Amount		   Estimated
Fair Value		   Level 1   Level 2   Level 3 
Financial Assets:                         
Cash and due from banks  $11,140,559   $11,140,559   $11,140,559   $—   $— 
Interest-bearing deposits at the Federal Reserve   128,971,429    128,971,429    128,971,429    —    — 
Investment securities available for sale   212,347,489    212,347,489    100,062,300    87,801,142    24,484,047 
Mortgage loans to be sold   2,774,388    2,774,388    —    2,774,388    — 
Loans, net   302,255,242    293,731,997    —    —    293,731,997 
Accrued interest receivable   1,404,227    1,404,227    —    1,404,227      
Financial Liabilities:                         
Demand deposits   587,903,356    587,903,356    —    587,903,356    — 
Time deposits   21,288,220    21,428,310    —    21,428,310    — 
Accrued interest payable   14,914    14,914    —    14,914    — 

 

   Fair Value Measurements at December 31, 2020 
   Carrying
Amount		   Estimated
Fair Value		   Level 1   Level 2   Level 3 
Financial Assets:                         
Cash and due from banks  $5,977,896   $5,977,896   $5,977,896   $—   $— 
Interest-bearing deposits at the Federal Reserve   42,348,085    42,348,085    42,348,085    —    — 
Investment securities available for sale   134,819,818    134,819,818    20,410,550    108,725,338    5,683,930 
Mortgage loans to be sold   12,965,733    12,965,733    —    12,965,733    — 
Loans, net   316,616,979    308,721,680    —    —    308,721,680 
Accrued interest receivable   1,595,629    1,595,629    —    1,595,629      
Financial Liabilities:                         
Demand deposits   441,498,500    441,498,500    —    441,498,500    — 
Time deposits   20,699,131    20,294,852    —    20,294,852    — 
Accrued interest payable   20,707    20,707    —    20,707    — 
XML 62 R44.htm IDEA: XBRL DOCUMENT v3.22.0.1
BANK OF SOUTH CAROLINA CORPORATION - PARENT COMPANY (Tables)
 12 Months Ended
Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]  
Condensed Statements of Financial Condition

 

Condensed Statements of Financial Condition

 

           
     December 31  
   2021   2020 
Assets          
Cash  $1,233,354   $1,723,556 
Investment in wholly-owned bank subsidiary   53,327,296    53,934,084 
Other assets   298,998    261,196 
Total assets  $54,859,648   $55,918,836 
           
Liabilities and shareholders’ equity          
Other liabilities  $942,015   $938,480 
Shareholders’ equity   53,917,633    54,980,356 
Total liabilities and shareholders’ equity  $54,859,648   $55,918,836 
Condensed Statements of Income

 

Condensed Statements of Income

 

                       
   For the year ended December 31, 
   2021   2020   2019 
Interest income  $288   $759   $1,280 
Net operating expenses   (256,471)   (255,409)   (221,510)
Dividends received fom bank   3,805,000    4,700,000    4,170,000 
Equity in undistributed earnings of subsidiary   3,196,048    2,015,281    3,368,663 
Net income  $6,744,865   $6,460,631   $7,318,433 
Condensed Statements of Cash Flows

 

Condensed Statements of Cash Flows

 

                       
   For the year ended December 31, 
   2021   2020   2019 
Cash flows from operating activities:               
Net income  $6,744,865   $6,460,631   $7,318,433 
Stock-based compensation expense   103,033    92,986    78,053 
Equity in undistributed earnings of subsidiary   (3,196,048)   (2,015,280)   (3,368,663)
Decrease in other assets   (37,802)   (36,590)   (45,979)
Increase in other liabilities   (1)   —    — 
Net cash provided by operating activities   3,614,047    4,501,747    3,981,844 
                
Cash flows from financing activities:               
Dividends paid   (4,312,138)   (3,592,841)   (4,031,157)
Repurchase of common shares   —    (398,868)   — 
Stock options exercised   207,889    117,044    138,286 
Net cash used by financing activities   (4,104,249)   (3,874,665)   (3,892,871)
                
Net (decrease) increase in cash   (490,202)   627,082    88,973 
Cash at the beginning of the year   1,723,556    1,096,474    1,007,501 
Cash at the end of the year  $1,233,354   $1,723,556   $1,096,474 
                
Supplemental disclosure for non-cash investing and financing activity               
Change in dividends payable  $3,536   $53,680   $58,163 
XML 63 R45.htm IDEA: XBRL DOCUMENT v3.22.0.1
QUARTERLY RESULTS OF OPERATIONS (UNAUDITED) (Tables)
 12 Months Ended
Dec. 31, 2021
Quarterly Financial Information Disclosure [Abstract]  
The tables below represent the quarterly results of operations for the years ended December 31, 2021 and 2020, respectively:

The tables below represent the quarterly results of operations for the years ended December 31, 2021 and 2020, respectively:

 

                               
   2021 
   Fourth   Third   Second   First 
                     
Total interest and fee income  $4,345,017   $4,201,069   $4,363,910   $4,641,115 
Total interest expense   37,840    39,319    42,317    54,524 
Net interest income   4,307,177    4,161,750    4,321,593    4,586,591 
Provision for loan losses   —    —    —    120,000 
Net interest income after provision for loan losses   4,307,177    4,161,750    4,321,593    4,466,591 
Total other income   842,935    1,138,431    946,951    939,914 
Total other expense   3,146,129    3,047,534    3,084,596    3,030,715 
Income before income tax expense   2,003,983    2,252,647    2,183,948    2,375,790 
Income tax expense   464,814    525,710    515,264    565,715 
Net income  $1,539,169   $1,726,937   $1,668,684   $1,810,075 
                     
Basic income per common share  $0.28   $0.31   $0.30   $0.33 
Diluted income per common share  $0.27   $0.30   $0.29   $0.32 

 

                               
   2020 
   Fourth   Third   Second   First 
Total interest and fee income  $4,442,774   $4,292,345   $4,203,211   $4,301,426 
Total interest expense   63,139    72,198    76,005    94,072 
Net interest income   4,379,635    4,220,147    4,127,206    4,207,354 
Provision for loan losses   200,000    40,000    —    — 
Net interest income after provision for loan losses   4,179,635    4,180,147    4,127,206    4,207,354 
Total other income   1,095,596    978,052    703,622    627,631 
Total other expense   3,011,191    2,934,998    2,870,223    2,856,521 
Income before income tax expense   2,264,040    2,223,201    1,960,605    1,978,464 
Income tax expense   528,834    519,930    459,582    457,333 
Net income  $1,735,206   $1,703,271   $1,501,023   $1,521,131 
                     
Basic income per common share  $0.31   $0.31   $0.27   $0.28 
Diluted income per common share  $0.31   $0.30   $0.26   $0.27 
XML 64 R46.htm IDEA: XBRL DOCUMENT v3.22.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative)
 12 Months Ended
Dec. 31, 2021
USD ($)
Number
Impaired loan minimum amount recorded at fair value | $ $ 50,000
Number of segments | Number 1
Building [Member]  
Useful life (in years) 40 years
Equipment [Member] | Minimum [Member]  
Useful life (in years) 3 years
Equipment [Member] | Maximum [Member]  
Useful life (in years) 15 years
XML 65 R47.htm IDEA: XBRL DOCUMENT v3.22.0.1
The amortized cost and fair value of investment securities available for sale are summarized as follows. (Details) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Marketable Securities [Line Items]    
Amortized Cost $ 215,047,451 $ 132,706,063
Gross Unrealized Gains 679,883 2,274,015
Gross Unrealized Losses (3,379,845) (160,260)
Estimated Fair Value 212,347,489 134,819,818
US Treasury Securities [Member]    
Marketable Securities [Line Items]    
Amortized Cost 101,269,851 20,036,549
Gross Unrealized Gains 68,848 374,001
Gross Unrealized Losses (1,276,399)
Estimated Fair Value 100,062,300 20,410,550
US Government-sponsored Enterprises Debt Securities [Member]    
Marketable Securities [Line Items]    
Amortized Cost 76,355,720 96,614,182
Gross Unrealized Gains 275,123 1,398,884
Gross Unrealized Losses (1,909,834) (160,260)
Estimated Fair Value 74,721,009 97,852,806
US States and Political Subdivisions Debt Securities [Member]    
Marketable Securities [Line Items]    
Amortized Cost 37,421,880 16,055,332
Gross Unrealized Gains 335,912 501,130
Gross Unrealized Losses (193,612)
Estimated Fair Value $ 37,564,180 $ 16,556,462
XML 66 R48.htm IDEA: XBRL DOCUMENT v3.22.0.1
The amortized cost and estimated fair value of investment securities available for sale at December 31, 2021 and 2020, by contractual maturity are in the following table. (Details) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]    
Due in one year or less, amortized cost $ 12,756,176 $ 32,245,646
Due in one year or less, estimated fair value 12,859,086 32,622,890
Due in one year to five years, amortized cost 116,602,790 40,022,194
Due in one year to five years, estimated fair value 115,896,465 41,258,370
Due in one year to five years, amortized cost 76,531,464 50,438,223
Due in five years to ten years, estimated fair value 74,575,862 50,968,288
Due in ten years and over, amortized cost 9,157,021 10,000,000
Due in ten years and over, estimated fair value 9,016,076 9,970,270
Total, amortized cost 215,047,451 132,706,063
Total, estimated fair value $ 212,347,489 $ 134,819,818
XML 67 R49.htm IDEA: XBRL DOCUMENT v3.22.0.1
The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss posi (Details)
Dec. 31, 2021
USD ($)
Number
Dec. 31, 2020
USD ($)
Number
Marketable Securities [Line Items]    
Number of positions, less than 12 months | Number 37 4
Fair Value, less than 12 months $ 125,859,972 $ 29,839,740
Gross Unrealized Losses, less than 12 months $ (1,989,416) $ (160,260)
Number of positions, 12 months or longer | Number 6  
Fair Value, 12 months or longer $ 39,909,134  
Gross Unrealized Losses, 12 months or longer $ (1,390,429)  
Number of positions | Number 43 4
Fair value $ 165,769,106 $ 29,839,740
Gross Unrealized Losses $ (3,379,845) $ (160,260)
US Treasury Securities [Member]    
Marketable Securities [Line Items]    
Number of positions, less than 12 months | Number 15
Fair Value, less than 12 months $ 94,994,915
Gross Unrealized Losses, less than 12 months $ (1,276,399)
Number of positions, 12 months or longer | Number  
Fair Value, 12 months or longer  
Gross Unrealized Losses, 12 months or longer  
Number of positions | Number 15
Fair value $ 94,994,915
Gross Unrealized Losses $ (1,276,399)
US Government-sponsored Enterprises Debt Securities [Member]    
Marketable Securities [Line Items]    
Number of positions, less than 12 months | Number 3 4
Fair Value, less than 12 months $ 19,480,595 $ 29,839,740
Gross Unrealized Losses, less than 12 months $ (519,405) $ (160,260)
Number of positions, 12 months or longer | Number 6  
Fair Value, 12 months or longer $ 39,909,134  
Gross Unrealized Losses, 12 months or longer $ (1,390,429)  
Number of positions | Number 9 4
Fair value $ 59,389,729 $ 29,839,740
Gross Unrealized Losses $ (1,909,834) $ (160,260)
US States and Political Subdivisions Debt Securities [Member]    
Marketable Securities [Line Items]    
Number of positions, less than 12 months | Number 19
Fair Value, less than 12 months $ 11,384,462
Gross Unrealized Losses, less than 12 months $ (193,612)
Number of positions, 12 months or longer | Number  
Fair Value, 12 months or longer  
Gross Unrealized Losses, 12 months or longer  
Number of positions | Number 19
Fair value $ 11,384,462
Gross Unrealized Losses $ (193,612)
XML 68 R50.htm IDEA: XBRL DOCUMENT v3.22.0.1
The table below shows the proceeds received from sales of securities available for sale and gross realized gains and losses. (Details) - USD ($)
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]      
Gross proceeds $ 15,572,500 $ 11,550,000 $ 30,412,250
Gross realized gains 266,944 10,002 114,888
Gross realized losses $ (64,181)
XML 69 R51.htm IDEA: XBRL DOCUMENT v3.22.0.1
INVESTMENT SECURITIES AVAILABLE FOR SALE (Details Narrative) - USD ($)
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]      
Investment securities pledged to secure deposits, fair value $ 33,292,124 $ 42,398,616  
Gains on sale of investments, tax $ 56,058 $ 2,100 $ 10,648
XML 70 R52.htm IDEA: XBRL DOCUMENT v3.22.0.1
LOANS AND ALLOWANCE FOR LOAN LOSSES (Details Narrative)
 12 Months Ended
Mar. 27, 2020
USD ($)
Dec. 31, 2021
USD ($)
Number
Dec. 31, 2020
USD ($)
Number
Dec. 31, 2019
USD ($)
Number
Apr. 24, 2020
USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Deferred loan fees   $ 488,481 $ 676,155    
Loans pledged as collateral to secure funding with the Federal Reserve Bank   $ 94,700,000 $ 76,000,000    
Restructured loans number | Number   5 14    
Restructured loans amount   $ 1,000,000 $ 5,800,000    
Number of loans charged off | Number       1  
Loan charged off       $ 2,008  
Recovery of loan       $ 439  
CARES Act [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Restructured loans number | Number   2      
Restructured loans amount   $ 500,000      
Principal deferments amount     $ 700,000    
Principal deferments number of customers | Number     84    
Loan balance of principal deferred loans     $ 25,900,000    
Principal deferments percentage of portfolio     0.24%    
Principal deferments number classified as TDRs | Number   9      
Loan balance of principal deferred loans classified as TDRs   $ 4,000,000      
Number of loans removed from TDR status | Number   4      
Number of loans refinanced | Number   2      
Number of loans paid off | Number   1      
Principal deferments number of customers not classified as troubled debt restructuring | Number   75      
Principal deferments number of customers not classified as troubled debt restructuring paid in full | Number   41      
Principal deferment loans not classified as troubled debt restructuring paid in full   $ 9,900,000      
Interest Only Loans [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Restructured loans number | Number   2      
Paycheck Protection Program [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Loans to be issued under CARES Act $ 349,000,000,000        
Loans fixed rate 1.00%        
Loans term 2 years        
Guarantee of loan by SBA (percent) 100.00% 100.00%      
Processing fees received     $ 2,400,000    
Processing fees recognized   $ 1,300,000 $ 600,000    
Additional funding of loans to be issued under CARES Act         $ 310,000,000,000
Bank funding amount   $ 55,300,000      
Bank funding number of customers | Number   480      
Paycheck Protection Program [Member] | Minimum [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Processing fee of SBA loans percentage 1.00%        
Paycheck Protection Program [Member] | Maximum [Member]          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Processing fee of SBA loans percentage 5.00%        
XML 71 R53.htm IDEA: XBRL DOCUMENT v3.22.0.1
Major classifications of loans (Details) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 306,632,229 $ 320,802,673
Allowance for loan losses (4,376,987) (4,185,694)
Loans, net 302,255,242 316,616,979
Commercial Loan [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans 45,804,434 51,041,397
Commercial Real Estate Portfolio Segment [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans 12,054,095 14,813,726
Commercial Portfolio Segment [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans 165,719,078 146,187,886
Residential Mortgage [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans 71,307,488 71,836,041
Consumer Portfolio Segment [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans 3,768,531 4,480,491
Paycheck Protection Program [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans $ 7,978,603 $ 32,443,132
XML 72 R54.htm IDEA: XBRL DOCUMENT v3.22.0.1
The following tables illustrate credit risks by category and internally assigned grades at December 31, 2021 and 2020. (Details) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans $ 306,632,229 $ 320,802,673
Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 296,759,954 291,433,476
Watch [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 4,967,060 19,768,178
Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 1,498,706 3,493,952
Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 3,406,509 6,107,067
Commercial Loan [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 45,804,434 51,041,397
Commercial Loan [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 43,853,889 44,903,134
Commercial Loan [Member] | Watch [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 450,319 3,415,408
Commercial Loan [Member] | Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 36,749 1,039,647
Commercial Loan [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 1,463,477 1,683,208
Commercial Real Estate Construction [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 12,054,095 14,813,726
Commercial Real Estate Construction [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 11,616,118 14,349,065
Commercial Real Estate Construction [Member] | Watch [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 437,977 464,661
Commercial Real Estate Other [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 165,719,078 146,187,886
Commercial Real Estate Other [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 159,825,281 125,111,378
Commercial Real Estate Other [Member] | Watch [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 3,082,408 15,200,992
Commercial Real Estate Other [Member] | Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 1,158,268 1,784,296
Commercial Real Estate Other [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 1,653,121 4,091,220
Residential Mortgage [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 71,307,488 71,836,041
Residential Mortgage [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 69,920,347 70,454,909
Residential Mortgage [Member] | Watch [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 862,938 467,163
Residential Mortgage [Member] | Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 274,445 623,226
Residential Mortgage [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 249,758 290,743
Consumer Other [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 3,768,531 4,480,491
Consumer Other [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 3,565,716 4,171,858
Consumer Other [Member] | Watch [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 133,418 219,954
Consumer Other [Member] | Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 29,244 46,783
Consumer Other [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 40,153 41,896
Paycheck Protection Program [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans 7,978,603 32,443,132
Paycheck Protection Program [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Loans $ 7,978,603 $ 32,443,132
XML 73 R55.htm IDEA: XBRL DOCUMENT v3.22.0.1
The following tables include an aging analysis of the recorded investment in loans segregated by class. (Details) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Financing Receivable, Past Due [Line Items]    
Loans $ 306,632,229 $ 320,802,673
Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 171,899 206,596
Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 797,853 1,199,172
Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 305,834,376 319,603,501
Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 288,464 27,855
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 337,490 964,721
Commercial Loan [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 45,804,434 51,041,397
Commercial Loan [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 88,659 144,999
Commercial Loan [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 88,659 172,854
Commercial Loan [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 45,715,775 50,868,543
Commercial Loan [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans   27,855
Commercial Real Estate Portfolio Segment [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 12,054,095 14,813,726
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 12,054,095 14,813,726
Commercial Portfolio Segment [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 165,719,078 146,187,886
Commercial Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 59,269 61,597
Commercial Portfolio Segment [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 685,223 985,425
Commercial Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 165,033,855 145,202,461
Commercial Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 288,464  
Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 337,490 923,828
Residential Mortgage [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 71,307,488 71,836,041
Residential Mortgage [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans   40,893
Residential Mortgage [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 71,307,488 71,795,148
Residential Mortgage [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans   40,893
Consumer Portfolio Segment [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 3,768,531 4,480,491
Consumer Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 23,971  
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 23,971  
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 3,744,560 4,480,491
Paycheck Protection Program [Member]    
Financing Receivable, Past Due [Line Items]    
Loans 7,978,603 32,443,132
Paycheck Protection Program [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Loans $ 7,978,603 $ 32,443,132
XML 74 R56.htm IDEA: XBRL DOCUMENT v3.22.0.1
The following table summarizes the balances of non-accrual loans. (Details) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Financing Receivable, Past Due [Line Items]    
Non-accrual loans receivable $ 814,614 $ 1,155,930
Commercial Loan [Member]    
Financing Receivable, Past Due [Line Items]    
Non-accrual loans receivable 178,975 178,975
Commercial Real Estate Other [Member]    
Financing Receivable, Past Due [Line Items]    
Non-accrual loans receivable 625,953 923,828
Residential Mortgage [Member]    
Financing Receivable, Past Due [Line Items]    
Non-accrual loans receivable   40,893
Consumer Portfolio Segment [Member]    
Financing Receivable, Past Due [Line Items]    
Non-accrual loans receivable $ 9,686 $ 12,234
XML 75 R57.htm IDEA: XBRL DOCUMENT v3.22.0.1
The following tables set forth the changes in the allowance and an allocation of the allowance by class at December 31, 2021, 2020, and 2019. (Details) - USD ($)
 3 Months Ended 12 Months Ended
Dec. 31, 2021
Sep. 30, 2021
Jun. 30, 2021
Mar. 31, 2021
Dec. 31, 2020
Sep. 30, 2020
Jun. 30, 2020
Mar. 31, 2020
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Allowance for Loan Losses                      
Beginning Balance       $ 4,185,694       $ 4,003,758 $ 4,185,694 $ 4,003,758 $ 4,214,331
Charge-offs                 (20,990) (290,297) (407,027)
Recoveries                 92,283 232,233 16,454
Provisions 120,000 $ 200,000 $ 40,000 120,000 240,000 180,000
Ending Balance 4,376,987       4,185,694       4,376,987 4,185,694 4,003,758
Commercial Loan [Member]                      
Allowance for Loan Losses                      
Beginning Balance       1,029,310       1,429,917 1,029,310 1,429,917 1,665,413
Charge-offs                 (171,646) (398,685)
Recoveries                 21,329 88,811 12,200
Provisions                 (254,950) (317,772) 150,989
Ending Balance 795,689       1,029,310       795,689 1,029,310 1,429,917
Commercial Real Estate Portfolio Segment [Member]                      
Allowance for Loan Losses                      
Beginning Balance       199,266       109,235 199,266 109,235 63,876
Charge-offs                
Recoveries                
Provisions                 (23,773) 90,031 45,359
Ending Balance 175,493       199,266       175,493 199,266 109,235
Commercial Portfolio Segment [Member]                      
Allowance for Loan Losses                      
Beginning Balance       1,909,121       1,270,445 1,909,121 1,270,445 1,292,346
Charge-offs                
Recoveries                 99,801
Provisions                 467,185 538,875 (21,901)
Ending Balance 2,376,306       1,909,121       2,376,306 1,909,121 1,270,445
Residential Mortgage [Member]                      
Allowance for Loan Losses                      
Beginning Balance       925,077       496,221 925,077 496,221 386,585
Charge-offs                
Recoveries                 47,711
Provisions                 (48,004) 428,856 109,636
Ending Balance 924,784       925,077       924,784 925,077 496,221
Consumer Portfolio Segment [Member]                      
Allowance for Loan Losses                      
Beginning Balance       122,920       697,940 122,920 697,940 806,111
Charge-offs                 (11,440) (116,001) (8,342)
Recoveries                 22,367 43,599 4,254
Provisions                 (29,132) (502,618) (104,083)
Ending Balance 104,715       122,920       104,715 122,920 697,940
Paycheck Protection Program [Member]                      
Allowance for Loan Losses                      
Beginning Balance            
Charge-offs                 (9,550) (2,650)
Recoveries                 876 22
Provisions                 8,674 2,628
Ending Balance            
XML 76 R58.htm IDEA: XBRL DOCUMENT v3.22.0.1
The following tables present, by class and reserving methodology, the allocation of the allowance for loan losses and the gross investment in loans. (Details) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Dec. 31, 2018
Allowance for Loan Losses        
Individually evaluated for impairment $ 220,141 $ 445,411    
Collectively evaluated for impairment 4,156,846 3,740,283    
Total Allowance for Loan Losses 4,376,987 4,185,694 $ 4,003,758 $ 4,214,331
Loans Receivable        
Individually evaluated for impairment 3,406,509 7,805,600    
Collectively evaluated for impairment 303,225,720 312,997,073    
Total Loans Receivable 306,632,229 320,802,673    
Commercial Loan [Member]        
Allowance for Loan Losses        
Individually evaluated for impairment 179,988 357,657    
Collectively evaluated for impairment 615,701 671,653    
Total Allowance for Loan Losses 795,689 1,029,310 1,429,917 1,665,413
Loans Receivable        
Individually evaluated for impairment 1,463,477 2,298,120    
Collectively evaluated for impairment 44,340,957 48,743,277    
Total Loans Receivable 45,804,434 51,041,397    
Commercial Real Estate Portfolio Segment [Member]        
Allowance for Loan Losses        
Individually evaluated for impairment    
Collectively evaluated for impairment 175,493 199,266    
Total Allowance for Loan Losses 175,493 199,266 109,235 63,876
Loans Receivable        
Individually evaluated for impairment    
Collectively evaluated for impairment 12,054,095 14,813,726    
Total Loans Receivable 12,054,095 14,813,726    
Commercial Portfolio Segment [Member]        
Allowance for Loan Losses        
Individually evaluated for impairment 36,747    
Collectively evaluated for impairment 2,376,306 1,872,374    
Total Allowance for Loan Losses 2,376,306 1,909,121 1,270,445 1,292,346
Loans Receivable        
Individually evaluated for impairment 1,653,121 5,174,841    
Collectively evaluated for impairment 164,065,957 141,013,045    
Total Loans Receivable 165,719,078 146,187,886    
Residential Mortgage [Member]        
Allowance for Loan Losses        
Individually evaluated for impairment 9,111    
Collectively evaluated for impairment 924,784 915,966    
Total Allowance for Loan Losses 924,784 925,077 496,221 386,585
Loans Receivable        
Individually evaluated for impairment 249,758 290,743    
Collectively evaluated for impairment 71,057,730 71,545,298    
Total Loans Receivable 71,307,488 71,836,041    
Consumer Portfolio Segment [Member]        
Allowance for Loan Losses        
Individually evaluated for impairment 40,153 41,896    
Collectively evaluated for impairment 64,562 81,024    
Total Allowance for Loan Losses 104,715 122,920 697,940 806,111
Loans Receivable        
Individually evaluated for impairment 40,153 41,896    
Collectively evaluated for impairment 3,728,378 4,438,595    
Total Loans Receivable 3,768,531 4,480,491    
Paycheck Protection Program [Member]        
Allowance for Loan Losses        
Individually evaluated for impairment    
Collectively evaluated for impairment    
Total Allowance for Loan Losses
Loans Receivable        
Individually evaluated for impairment    
Collectively evaluated for impairment 7,978,603 32,443,132    
Total Loans Receivable $ 7,978,603 $ 32,443,132    
XML 77 R59.htm IDEA: XBRL DOCUMENT v3.22.0.1
As of December 31, 2021 and 2020, loans individually evaluated for impairment and the corresponding allowance for loan losses are presented in the following table. (Details) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Impaired Loans with no related allowance recorded    
Unpaid Principal Balance with no related allowance recorded $ 2,999,286 $ 6,803,425
Recorded Investment with no related allowance recorded 2,999,286 6,803,425
Impaired Loans with an allowance recorded    
Unpaid Principal Balance with an allowance recorded 407,223 1,002,175
Recorded Investment with an allowance recorded 407,223 1,002,175
Related Allowance 220,141 445,411
Total Impaired Loans    
Impaired Financing Receivable, Unpaid Principal Balance, Total 3,406,509 7,805,600
Impaired Financing Receivable, Recorded Investment, Total 3,406,509 7,805,600
Related Allowance 220,141 445,411
Commercial Loan [Member]    
Impaired Loans with no related allowance recorded    
Unpaid Principal Balance with no related allowance recorded 1,096,407 1,721,818
Recorded Investment with no related allowance recorded 1,096,407 1,721,818
Impaired Loans with an allowance recorded    
Unpaid Principal Balance with an allowance recorded 367,070 576,302
Recorded Investment with an allowance recorded 367,070 576,302
Related Allowance 179,988 357,657
Total Impaired Loans    
Impaired Financing Receivable, Unpaid Principal Balance, Total 1,463,477 2,298,120
Impaired Financing Receivable, Recorded Investment, Total 1,463,477 2,298,120
Related Allowance 179,988 357,657
Commercial Portfolio Segment [Member]    
Impaired Loans with no related allowance recorded    
Unpaid Principal Balance with no related allowance recorded 1,653,121 4,831,757
Recorded Investment with no related allowance recorded 1,653,121 4,831,757
Impaired Loans with an allowance recorded    
Unpaid Principal Balance with an allowance recorded   343,084
Recorded Investment with an allowance recorded   343,084
Related Allowance   36,747
Total Impaired Loans    
Impaired Financing Receivable, Unpaid Principal Balance, Total 1,653,121 5,174,841
Impaired Financing Receivable, Recorded Investment, Total 1,653,121 5,174,841
Related Allowance   36,747
Residential Mortgage [Member]    
Impaired Loans with no related allowance recorded    
Unpaid Principal Balance with no related allowance recorded 249,758 249,850
Recorded Investment with no related allowance recorded 249,758 249,850
Impaired Loans with an allowance recorded    
Unpaid Principal Balance with an allowance recorded   40,893
Recorded Investment with an allowance recorded   40,893
Related Allowance   9,111
Total Impaired Loans    
Impaired Financing Receivable, Unpaid Principal Balance, Total 249,758 290,743
Impaired Financing Receivable, Recorded Investment, Total 249,758 290,743
Related Allowance   9,111
Consumer Portfolio Segment [Member]    
Impaired Loans with an allowance recorded    
Unpaid Principal Balance with an allowance recorded 40,153 41,896
Recorded Investment with an allowance recorded 40,153 41,896
Related Allowance 40,153 41,896
Total Impaired Loans    
Impaired Financing Receivable, Unpaid Principal Balance, Total 40,153 41,896
Impaired Financing Receivable, Recorded Investment, Total 40,153 41,896
Related Allowance $ 40,153 $ 41,896
XML 78 R60.htm IDEA: XBRL DOCUMENT v3.22.0.1
The following table presents average impaired loans and interest income recognized on those impaired loans, by class segment, for the periods indicated. (Details) - USD ($)
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
With no related allowance recorded:      
Average Recorded Investment with no related allowance recorded $ 3,037,819 $ 6,965,877 $ 3,897,455
Interest Income Recognized with no related allowance recorded 147,248 332,588 201,362
With an allowance recorded:      
Average Recorded Investment with an allowance recorded 419,632 994,275 1,031,477
Interest Income Recognized with an allowance recorded 24,804 40,290 47,786
Total      
Average Recorded Investment 3,457,451 7,960,152 4,928,932
Interest Income Recognized 172,052 372,878 249,148
Commercial Loan [Member]      
With no related allowance recorded:      
Average Recorded Investment with no related allowance recorded 1,142,667 1,866,590 1,483,982
Interest Income Recognized with no related allowance recorded 68,602 102,636 94,779
With an allowance recorded:      
Average Recorded Investment with an allowance recorded 378,499 578,399 725,353
Interest Income Recognized with an allowance recorded 22,130 37,663 44,299
Total      
Average Recorded Investment 1,521,166 2,444,989 2,209,335
Interest Income Recognized 90,732 140,299 139,078
Commercial Portfolio Segment [Member]      
With no related allowance recorded:      
Average Recorded Investment with no related allowance recorded 1,645,375 4,849,474 1,533,720
Interest Income Recognized with no related allowance recorded 68,031 218,372 76,183
With an allowance recorded:      
Average Recorded Investment with an allowance recorded   337,304 246,884
Total      
Average Recorded Investment 1,645,375 5,186,778 1,780,604
Interest Income Recognized 68,031 218,372 76,183
Residential Mortgage [Member]      
With no related allowance recorded:      
Average Recorded Investment with no related allowance recorded 249,777 249,813 879,753
Interest Income Recognized with no related allowance recorded 10,615 11,580 30,400
With an allowance recorded:      
Average Recorded Investment with an allowance recorded   36,483  
Interest Income Recognized with an allowance recorded   (116)  
Total      
Average Recorded Investment 249,777 286,296 879,753
Interest Income Recognized 10,615 11,464 30,400
Consumer Portfolio Segment [Member]      
With an allowance recorded:      
Average Recorded Investment with an allowance recorded 41,133 42,089 59,240
Interest Income Recognized with an allowance recorded 2,674 2,743 3,487
Total      
Average Recorded Investment 41,133 42,089 59,240
Interest Income Recognized $ 2,674 $ 2,743 $ 3,487
XML 79 R61.htm IDEA: XBRL DOCUMENT v3.22.0.1
Our loans were concentrated in the following categories. (Details) - Credit Concentration Risk [Member] - Loans Receivable [Member]
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Concentration Risk [Line Items]    
Concentration of credit risk 100.00% 100.00%
Commercial Loan [Member]    
Concentration Risk [Line Items]    
Concentration of credit risk 14.94% 15.91%
Commercial Real Estate Portfolio Segment [Member]    
Concentration Risk [Line Items]    
Concentration of credit risk 3.93% 4.62%
Commercial Portfolio Segment [Member]    
Concentration Risk [Line Items]    
Concentration of credit risk 54.04% 45.57%
Residential Mortgage [Member]    
Concentration Risk [Line Items]    
Concentration of credit risk 23.26% 22.39%
Consumer Portfolio Segment [Member]    
Concentration Risk [Line Items]    
Concentration of credit risk 1.23% 1.40%
Paycheck Protection Program [Member]    
Concentration Risk [Line Items]    
Concentration of credit risk 2.60% 10.11%
XML 80 R62.htm IDEA: XBRL DOCUMENT v3.22.0.1
Premises, equipment and leasehold improvements are summarized in the table below. (Details) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Property, Plant and Equipment [Line Items]    
Premises, equipment and leasehold improvements, gross $ 9,598,096 $ 9,455,827
Accumulated depreciation (5,815,160) (5,402,294)
Total 3,782,936 4,053,533
Building [Member]    
Property, Plant and Equipment [Line Items]    
Premises, equipment and leasehold improvements, gross 1,861,237 1,861,237
Land [Member]    
Property, Plant and Equipment [Line Items]    
Premises, equipment and leasehold improvements, gross 838,075 838,075
Leaseholds and Leasehold Improvements [Member]    
Property, Plant and Equipment [Line Items]    
Premises, equipment and leasehold improvements, gross 30,000 30,000
Leasehold Improvements [Member]    
Property, Plant and Equipment [Line Items]    
Premises, equipment and leasehold improvements, gross 2,595,825 2,589,195
Construction in Progress [Member]    
Property, Plant and Equipment [Line Items]    
Premises, equipment and leasehold improvements, gross 31,654 24,307
Equipment [Member]    
Property, Plant and Equipment [Line Items]    
Premises, equipment and leasehold improvements, gross $ 4,241,305 $ 4,113,013
XML 81 R63.htm IDEA: XBRL DOCUMENT v3.22.0.1
PREMISES, EQUIPMENT AND LEASEHOLD IMPROVEMENTS (Details Narrative) - USD ($)
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Property, Plant and Equipment [Abstract]      
Depreciation $ 412,866 $ 421,040 $ 230,377
XML 82 R64.htm IDEA: XBRL DOCUMENT v3.22.0.1
LEASES (Details Narrative) - USD ($)
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Lessee, Lease, Description [Line Items]      
Operating Lease, Right-of-Use Asset $ 14,041,843 $ 12,730,151  
Operating Lease, Liability $ 14,041,843 12,730,151  
Renewal terms 20 years    
Weighted average remaining lease term 16 years 6 months 21 days    
Weighted average incremental borrowing rate 4.08%    
Rent expense $ 1,139,393 $ 972,815 $ 623,998
Affiliated Entity [Member]      
Lessee, Lease, Description [Line Items]      
Rent expense     $ 46,538
XML 83 R65.htm IDEA: XBRL DOCUMENT v3.22.0.1
Minimum rental commitments for these leases as of December 31, 2021 are presented in the table below. (Details) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Leases    
2022 $ 1,175,080  
2023 1,175,080  
2024 1,175,080  
2025 1,175,080  
2026 and thereafter 13,403,850  
Total undisclosed lease payments 18,104,170  
Less: effect of discounting (4,062,327)  
Present value of estimated lease payments $ 14,041,843 $ 12,730,151
XML 84 R66.htm IDEA: XBRL DOCUMENT v3.22.0.1
The table below shows lease expense components for the year ended December 31, 2021 and 2020. (Details) - USD ($)
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Leases      
Operating lease expense $ 1,139,393 $ 972,815 $ 623,998
Short-term lease expense  
Total lease expense $ 1,139,393 $ 972,815  
XML 85 R67.htm IDEA: XBRL DOCUMENT v3.22.0.1
The scheduled maturities of certificates of deposit as of December 31, 2021 are presented in the table below (Details)
Dec. 31, 2021
USD ($)
Deposits:  
2022 $ 19,313,002
2023 974,891
2024 161,337
2025 51,945
2026 787,045
Total $ 21,288,220
XML 86 R68.htm IDEA: XBRL DOCUMENT v3.22.0.1
DEPOSITS (Details Narrative) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Deposits:    
Certificates of deposit over $250,000 $ 7,417,864 $ 4,493,189
Deposits with deficit balance reclassified as other loans $ 28,549 $ 100,304
XML 87 R69.htm IDEA: XBRL DOCUMENT v3.22.0.1
SHORT-TERM BORROWINGS (Details Narrative) - USD ($)
$ in Millions
Dec. 31, 2021
Dec. 31, 2020
Line of Credit Facility [Line Items]    
Unused balance of line of credit $ 41.0 $ 23.0
Federal Reserve Bank Advances [Member]    
Line of Credit Facility [Line Items]    
Line of credit maximum borrowing capacity $ 72.1  
XML 88 R70.htm IDEA: XBRL DOCUMENT v3.22.0.1
Total income taxes for the years ended December 31, 2021, 2020 and 2019 are presented in the table below. (Details) - USD ($)
 3 Months Ended 12 Months Ended
Dec. 31, 2021
Sep. 30, 2021
Jun. 30, 2021
Mar. 31, 2021
Dec. 31, 2020
Sep. 30, 2020
Jun. 30, 2020
Mar. 31, 2020
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Income Tax Disclosure [Abstract]                      
Income tax expense $ 464,814 $ 525,710 $ 515,264 $ 565,715 $ 528,834 $ 519,930 $ 459,582 $ 457,333 $ 2,071,503 $ 1,965,679 $ 2,175,274
Unrealized gains (losses) on securities available for sale presented in accumulated other comprehensive income (loss)                 (1,010,881) 315,546 (600,765)
Total                 $ 1,060,622 $ 2,281,225 $ 1,574,509
XML 89 R71.htm IDEA: XBRL DOCUMENT v3.22.0.1
Income tax expense was as follows: (Details) - USD ($)
 3 Months Ended 12 Months Ended
Dec. 31, 2021
Sep. 30, 2021
Jun. 30, 2021
Mar. 31, 2021
Dec. 31, 2020
Sep. 30, 2020
Jun. 30, 2020
Mar. 31, 2020
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Current income taxes                      
Federal                 $ 1,796,283 $ 1,543,334 $ 1,742,430
State                 321,971
Total current tax expense                 2,118,254 1,543,334 1,742,430
Deferred income tax (benefit) expense                 (46,751) 422,345 432,844
Total income tax expense $ 464,814 $ 525,710 $ 515,264 $ 565,715 $ 528,834 $ 519,930 $ 459,582 $ 457,333 $ 2,071,503 $ 1,965,679 $ 2,175,274
XML 90 R72.htm IDEA: XBRL DOCUMENT v3.22.0.1
The differences between actual income tax expense and the amounts computed by applying the U.S. federal income tax rate of 21% to pretax income from continuing operations for the periods indicated are reconciled in the table below. (Details) - USD ($)
 3 Months Ended 12 Months Ended
Dec. 31, 2021
Sep. 30, 2021
Jun. 30, 2021
Mar. 31, 2021
Dec. 31, 2020
Sep. 30, 2020
Jun. 30, 2020
Mar. 31, 2020
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Income Tax Disclosure [Abstract]                      
Computed “expected” tax expense                 $ 1,851,433 $ 1,769,525 $ 1,993,679
Increase (reduction) in income taxes resulting from:                      
Amortization of credit and gain                 1,685
Stock based compensation                 21,637 19,527 16,391
Valuation allowance                 7,658 8,083 7,123
Other                 7,477 7,259 6,233
State income tax, net of federal benefit                 248,887 238,729 268,000
Tax exempt interest income                 (65,589) (77,444) (117,837)
Total income tax expense $ 464,814 $ 525,710 $ 515,264 $ 565,715 $ 528,834 $ 519,930 $ 459,582 $ 457,333 $ 2,071,503 $ 1,965,679 $ 2,175,274
XML 91 R73.htm IDEA: XBRL DOCUMENT v3.22.0.1
The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020 are presented below. (Details) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Deferred tax assets:    
Allowance for loan losses $ 905,365 $ 849,159
State credit carryforward 5,762
Deferred loan fees 102,581 141,993
Passthrough income 26,525 26,525
State net operating loss carryforward 97,655 89,997
Nonaccrual interest 29,246 30,528
Other 9,432 9,432
Total gross deferred tax assets 1,170,804 1,153,396
Valuation allowance (97,655) (89,997)
Total gross deferred tax assets, net of valuation allowance 1,073,149 1,063,399
Deferred tax liabilities:    
Fixed assets, principally due to differences in depreciation (338,716) (382,668)
Unrealized (gain) loss on securities available for sale (1,360,199) (443,889)
State credit carryforward (5,672)
Prepaid expenses (29,869) (21,633)
Other (58,619) (57,918)
Total deferred tax liabilities (1,793,075) (906,108)
Net deferred tax (liability) $ (719,926)  
Net deferred tax asset   $ 157,291
XML 92 R74.htm IDEA: XBRL DOCUMENT v3.22.0.1
INCOME TAXES (Details Narrative) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Income Tax Disclosure [Abstract]    
Deferred tax asset, valuation allowance $ 97,655 $ 89,997
XML 93 R75.htm IDEA: XBRL DOCUMENT v3.22.0.1
COMMITMENTS AND CONTINGENCIES (Details Narrative) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Commitments to Extend Credit [Member]    
Other Commitments [Line Items]    
Commitments to extend credit $ 117,450,893 $ 122,755,761
Standby Letters of Credit [Member]    
Other Commitments [Line Items]    
Undiscounted future payments related to standby letters of credit $ 648,717 $ 845,811
XML 94 R76.htm IDEA: XBRL DOCUMENT v3.22.0.1
The table below summarizes related party loans. (Details) - USD ($)
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Related Party Transactions [Abstract]    
Balance at beginning of the year $ 5,970,014 $ 2,651,907
New loans or advances 3,693,836 5,244,062
Repayments (4,150,704) (1,925,955)
Balance at the end of the year $ 5,513,146 $ 5,970,014
XML 95 R77.htm IDEA: XBRL DOCUMENT v3.22.0.1
RELATED PARTY TRANSACTIONS (Details Narrative) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Related Party Transactions [Abstract]    
Deposits held by related parties $ 11,405,076 $ 5,681,634
XML 96 R78.htm IDEA: XBRL DOCUMENT v3.22.0.1
The table below summarizes the components of other operating expense. (Details) - USD ($)
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Other Income and Expenses [Abstract]      
Telephone and postage $ 233,667 $ 219,065 $ 182,801
State and FDIC insurance and fees 212,284 95,353 113,117
Supplies 63,850 74,472 103,796
Courier service 44,825 48,048 49,200
Insurance 56,748 53,000 43,097
Advertising and business development 8,114 9,045 16,059
Amortization of federal tax credit 8,022
Other 805,966 746,502 740,948
Total other operating expenses $ 1,425,454 $ 1,245,485 $ 1,257,040
XML 97 R79.htm IDEA: XBRL DOCUMENT v3.22.0.1
The fair value of options granted was determined using the following weighted-average assumptions as of grant date: (Details)
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Share-based Payment Arrangement [Abstract]      
Risk free interest rate 1.46% 0.63% 2.01%
Expected life (in years) 5 years 11 months 26 days 7 years 6 months 7 years 6 months
Expected stock price volatility 34.18% 32.90% 33.13%
Dividend yield 4.00% 4.26% 4.28%
XML 98 R80.htm IDEA: XBRL DOCUMENT v3.22.0.1
The following table presents a summary of the activity under the 2010, 2020 and 2021 Stock Incentive Plans for the years ended December 31: (Details) - $ / shares
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Share-based Payment Arrangement [Abstract]      
Outstanding, beginning 202,344 86,097 102,760
Outstanding, beginning $ 14.89 $ 12.92 $ 11.86
Granted 115,750 145,750 6,250
Granted $ 20.15 $ 15.31 $ 18.92
Exercised (22,305) (19,298) (22,163)
Exercised $ 10.64 $ 9.39 $ 8.81
Forfeited (22,042) (10,205) (750)
Forfeited $ 15.07 $ 15.19 $ 18.92
Outstanding, ending 273,747 202,344 86,097
Outstanding, ending $ 17.50 $ 14.89 $ 12.92
Exercisable at year end 7,804 21,113 27,459
Exercisable at year end $ 12.17 $ 9.77 $ 9.03
XML 99 R81.htm IDEA: XBRL DOCUMENT v3.22.0.1
The following table presents information pertaining to options outstanding at December 31, 2021. (Details) - USD ($)
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Dec. 31, 2018
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]        
Exercise Price $ 17.50 $ 14.89 $ 12.92 $ 11.86
Number of Options Outstanding 273,747      
Weighted Average Remaining Contractual Life 8 years 1 month 17 days      
Weighted Average Exercise Price of Options Outstanding $ 17.50      
Intrinsic Value of Options Outstanding $ 4,790,485      
Number of Options Exercisable 7,804      
Weighted Average Exercise Price of Options Exercisable $ 12.17      
Intrinsic Value of Options Exercisable $ 60,923      
Exercise Price 1 [Member]        
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]        
Exercise Price $ 9.18      
Number of Options Outstanding 1,149      
Weighted Average Remaining Contractual Life 6 months      
Weighted Average Exercise Price of Options Outstanding $ 9.18      
Intrinsic Value of Options Outstanding $ 10,548      
Number of Options Exercisable 1,149      
Weighted Average Exercise Price of Options Exercisable $ 9.18      
Intrinsic Value of Options Exercisable $ 12,409      
Exercise Price 2 [Member]        
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]        
Exercise Price $ 12.26      
Number of Options Outstanding 3,992      
Weighted Average Remaining Contractual Life 2 years 6 months 29 days      
Weighted Average Exercise Price of Options Outstanding $ 12.26      
Intrinsic Value of Options Outstanding $ 48,942      
Number of Options Exercisable 2,395      
Weighted Average Exercise Price of Options Exercisable $ 12.26      
Intrinsic Value of Options Exercisable $ 18,490      
Exercise Price 3 [Member]        
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]        
Exercise Price $ 12.40      
Number of Options Outstanding 969      
Weighted Average Remaining Contractual Life 2 years      
Weighted Average Exercise Price of Options Outstanding $ 12.40      
Intrinsic Value of Options Outstanding $ 12,016      
Number of Options Exercisable 775      
Weighted Average Exercise Price of Options Exercisable $ 12.40      
Intrinsic Value of Options Exercisable $ 5,876      
Exercise Price 4 [Member]        
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]        
Exercise Price $ 13.05      
Number of Options Outstanding 8,712      
Weighted Average Remaining Contractual Life 3 years 3 months 29 days      
Weighted Average Exercise Price of Options Outstanding $ 13.05      
Intrinsic Value of Options Outstanding $ 113,692      
Number of Options Exercisable 3,485      
Weighted Average Exercise Price of Options Exercisable $ 13.05      
Intrinsic Value of Options Exercisable $ 24,148      
Exercise Price 5 [Member]        
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]        
Exercise Price $ 15.21      
Number of Options Outstanding 116,250      
Weighted Average Remaining Contractual Life 8 years 3 months 29 days      
Weighted Average Exercise Price of Options Outstanding $ 15.21      
Intrinsic Value of Options Outstanding $ 1,768,163      
Weighted Average Exercise Price of Options Exercisable $ 15.21      
Exercise Price 6 [Member]        
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]        
Exercise Price $ 16.73      
Number of Options Outstanding 10,000      
Weighted Average Remaining Contractual Life 8 years 3 months 29 days      
Weighted Average Exercise Price of Options Outstanding $ 16.73      
Intrinsic Value of Options Outstanding $ 167,300      
Weighted Average Exercise Price of Options Exercisable $ 16.73      
Exercise Price 7 [Member]        
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]        
Exercise Price $ 18.23      
Number of Options Outstanding 32,450      
Weighted Average Remaining Contractual Life 6 years 3 months      
Weighted Average Exercise Price of Options Outstanding $ 18.23      
Intrinsic Value of Options Outstanding $ 591,564      
Weighted Average Exercise Price of Options Exercisable $ 18.23      
Exercise Price 8 [Member]        
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]        
Exercise Price $ 19.00      
Number of Options Outstanding 2,750      
Weighted Average Remaining Contractual Life 8 years 3 months 29 days      
Weighted Average Exercise Price of Options Outstanding $ 19.00      
Intrinsic Value of Options Outstanding $ 52,250      
Weighted Average Exercise Price of Options Exercisable $ 19.00      
Exercise Price 9 [Member]        
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]        
Exercise Price $ 19.82      
Number of Options Outstanding 7,225      
Weighted Average Remaining Contractual Life 8 years 3 months 29 days      
Weighted Average Exercise Price of Options Outstanding $ 19.82      
Intrinsic Value of Options Outstanding $ 143,200      
Weighted Average Exercise Price of Options Exercisable $ 19.82      
Exercise Price 10 [Member]        
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]        
Exercise Price $ 20.04      
Number of Options Outstanding 20,250      
Weighted Average Remaining Contractual Life 9 years 7 months 2 days      
Weighted Average Exercise Price of Options Outstanding $ 20.04      
Intrinsic Value of Options Outstanding $ 405,810      
Weighted Average Exercise Price of Options Exercisable $ 20.04      
Exercise Price 11 Member]        
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]        
Exercise Price $ 21.10      
Number of Options Outstanding 70,000      
Weighted Average Remaining Contractual Life 9 years 3 months 29 days      
Weighted Average Exercise Price of Options Outstanding $ 21.10      
Intrinsic Value of Options Outstanding $ 1,477,000      
Weighted Average Exercise Price of Options Exercisable $ 21.10      
XML 100 R82.htm IDEA: XBRL DOCUMENT v3.22.0.1
STOCK INCENTIVE PLANS (Details Narrative)
 12 Months Ended
Dec. 31, 2021
USD ($)
Number
$ / shares
shares
Dec. 31, 2020
USD ($)
$ / shares
Dec. 31, 2019
USD ($)
$ / shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Number of stock incentive plans | Number 2    
Options exercise price | $ / shares $ 20.15 $ 15.31 $ 18.92
Intrinsic value of options exercised | $ $ 208,259 $ 139,837 $ 218,116
Stock-based compensation expense | $ 103,033 $ 92,986 $ 78,053
Unrecognized compensation cost | $ $ 638,443    
Period for unrecognized compensation cost to be recognized 5 years 3 months 3 days    
2010 Stock Incentive Plan [Member]      
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Number of shares authorized under stock incentive plan 300,000    
2010 Stock Incentive Plan [Member] | Adjusted for Stock Dividends [Member]      
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Number of shares authorized under stock incentive plan 363,000    
Number of stock dividends affecting stock plans | Number 2    
Stock dividends for share adjustment of plans (percent) 10.00%    
2020 Stock Incentive Plan [Member]      
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Number of shares authorized under stock incentive plan 300,000    
2020 Stock Incentive Plan [Member] | Vesting after Five Years [Member]      
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Percentage of options vesting 20.00%    
2020 Stock Incentive Plan [Member] | Vesting Each Year Thereafter [Member]      
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Percentage of options vesting 20.00%    
Stock Incentive Plan 2021 [Member]      
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Number of shares authorized under stock incentive plan 150,000    
Number of independent directors | Number 14    
Number of options granted to each director 5,000    
Options exercise price | $ / shares $ 21.10    
Stock Incentive Plan 2021 [Member] | Vesting Each Year [Member]      
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]      
Percentage of options vesting 20.00%    
XML 101 R83.htm IDEA: XBRL DOCUMENT v3.22.0.1
EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST (Details Narrative)
 12 Months Ended
Dec. 31, 2021
USD ($)
Number
shares
Dec. 31, 2020
USD ($)
Dec. 31, 2019
USD ($)
Share-based Payment Arrangement, Tranche One [Member]      
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]      
Service period 1 year    
Vested percentage 0.00%    
Share-based Payment Arrangement, Tranche Two [Member]      
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]      
Service period 2 years    
Vested percentage 25.00%    
Share-based Payment Arrangement, Tranche Three [Member]      
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]      
Service period 3 years    
Vested percentage 50.00%    
Share-based Payment Arrangement, Tranche Four [Member]      
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]      
Service period 4 years    
Vested percentage 75.00%    
Share-based Payment Arrangement, Tranche Five [Member]      
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]      
Service period 5 years    
Vested percentage 100.00%    
Employee Stock Ownership ESOP Plan [Member]      
Employee Stock Ownership Plan (ESOP) Disclosures [Line Items]      
Minimum age requirement 21    
Hours of service 1,000    
Stock-based compensation expense | $ $ 540,000 $ 540,000 $ 510,000
Number of common shares the plan currently owns | shares 361,565    
XML 102 R84.htm IDEA: XBRL DOCUMENT v3.22.0.1
DIVIDENDS (Details Narrative) - USD ($)
$ in Millions
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Dividends      
Dividends paid to parent by subsidiaries $ 3.8 $ 4.7 $ 4.2
XML 103 R85.htm IDEA: XBRL DOCUMENT v3.22.0.1
The following table is a summary of the reconciliation of weighted average shares outstanding for the years ended December 31: (Details) - USD ($)
 3 Months Ended 12 Months Ended
Dec. 31, 2021
Sep. 30, 2021
Jun. 30, 2021
Mar. 31, 2021
Dec. 31, 2020
Sep. 30, 2020
Jun. 30, 2020
Mar. 31, 2020
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Earnings Per Share [Abstract]                      
Net income $ 1,539,169 $ 1,726,937 $ 1,668,684 $ 1,810,075 $ 1,735,206 $ 1,703,271 $ 1,501,023 $ 1,521,131 $ 6,744,865 $ 6,460,631 $ 7,318,433
Weighted average shares outstanding                 5,531,518 5,526,948 5,522,025
Effect of dilutive shares                 148,964 151,595 66,065
Weighted average shares outstanding - diluted                 5,680,482 5,678,543 5,588,090
Earnings per share - basic $ 0.28 $ 0.31 $ 0.30 $ 0.33 $ 0.31 $ 0.31 $ 0.27 $ 0.28 $ 1.22 $ 1.17 $ 1.33
Earnings per share - diluted $ 0.27 $ 0.30 $ 0.29 $ 0.32 $ 0.31 $ 0.30 $ 0.26 $ 0.27 $ 1.19 $ 1.14 $ 1.31
XML 104 R86.htm IDEA: XBRL DOCUMENT v3.22.0.1
The following table presents the actual CBLR for the Bank and Company at: (Details)
Dec. 31, 2021
Dec. 31, 2020
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
CBLR 0.0930 0.1072
Subsidiaries [Member]    
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
CBLR 0.0866 0.1019
XML 105 R87.htm IDEA: XBRL DOCUMENT v3.22.0.1
REGULATORY CAPITAL REQUIREMENTS (Details Narrative)
Dec. 31, 2021
USD ($)
Dec. 31, 2020
USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Assets $ 679,220,646 $ 532,494,599
Basel III [Member]    
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Tier 1 capital to risk-weighted assets ratio 0.0450  
Common equity Tier 1 capital conservation buffer, percentage of risk-weighted assets 0.0250  
Minimum ratio of Tier 1 capital to risk-weighted assets 0.0600  
Minimum leverage ratio 0.0400  
Pre-Basel III [Member]    
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Minimum ratio of Tier 1 capital to risk-weighted assets 0.0400  
Community Bank Leverage Ratio [Member]    
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Minimum leverage ratio 0.09  
Community Bank Leverage Ratio [Member] | Maximum [Member]    
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]    
Assets $ 10,000,000,000  
Off-balance sheet exposure percentage 25.00%  
Trading assets and liabilities percentage 5.00%  
XML 106 R88.htm IDEA: XBRL DOCUMENT v3.22.0.1
The following table presents information about assets measured at fair value on a recurring basis as of December 31, 2021 and 2020. (Details) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale $ 212,347,489 $ 134,819,818
Fair Value, Inputs, Level 1 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale 100,062,300 20,410,550
Fair Value, Inputs, Level 2 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale 87,801,142 108,725,338
Fair Value, Inputs, Level 3 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale 24,484,047 5,683,930
US Treasury Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale 100,062,300 20,410,550
US Government-sponsored Enterprises Debt Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale 74,721,009 97,852,806
US States and Political Subdivisions Debt Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale 37,564,180 16,556,462
Fair Value, Recurring [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale 212,347,489 134,819,818
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale 100,062,300 20,410,550
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale 87,801,142 108,725,338
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale 24,484,047 5,683,930
Fair Value, Recurring [Member] | US Treasury Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale 100,062,300 20,410,550
Fair Value, Recurring [Member] | US Treasury Securities [Member] | Fair Value, Inputs, Level 1 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale 100,062,300 20,410,550
Fair Value, Recurring [Member] | US Government-sponsored Enterprises Debt Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale 74,721,009 97,852,806
Fair Value, Recurring [Member] | US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale 74,721,009 97,852,806
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale 37,564,180 16,556,462
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale 13,080,133 10,872,532
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Investment securities available for sale $ 24,484,047 $ 5,683,930
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The following table reconciles the changes in assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2021 and 2020. (Details) - USD ($)
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Fair Value Disclosures [Abstract]    
Beginning balance $ 5,683,930 $ 11,954,451
Total realized/unrealized gains (losses)    
Included in earnings
Included in other comprehensive (loss) income (79,883) 110,479
Purchases, issuances, and settlements net of maturities 18,880,000 (6,381,000)
Transfers in and/or out of Level 3
Ending balance $ 24,484,047 $ 5,683,930
XML 108 R90.htm IDEA: XBRL DOCUMENT v3.22.0.1
The following tables present information about certain assets measured at fair value on a nonrecurring basis as of December 31, 2021 and 2020. (Details) - Fair Value, Nonrecurring [Member] - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans $ 1,902,879 $ 5,419,726
Mortgage loans to be sold 2,774,388 12,965,733
Total 4,677,267 18,385,459
Fair Value, Inputs, Level 3 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Impaired loans 1,902,879 5,419,726
Total 1,902,879 5,419,726
Fair Value, Inputs, Level 2 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Mortgage loans to be sold 2,774,388 12,965,733
Total $ 2,774,388 $ 12,965,733
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The following table provides information describing the unobservable inputs used in Level 3 fair value measurements at December 31, 2021: (Details) - Valuation, Market Approach [Member] - Measurement Input, Discount Rate [Member]
Dec. 31, 2021
Minimum [Member]  
Fair Value Measurement Inputs and Valuation Techniques [Line Items]  
Impaired loans 0.10
Maximum [Member]  
Fair Value Measurement Inputs and Valuation Techniques [Line Items]  
Impaired loans 0.20
XML 110 R92.htm IDEA: XBRL DOCUMENT v3.22.0.1
The following tables present the carrying amount, fair value, and placement in the fair value hierarchy of our financial instruments as of December 31, 2021 and 2020, respectively (Details) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Investment securities available for sale $ 212,347,489 $ 134,819,818
Fair Value, Inputs, Level 1 [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Cash and due from banks 11,140,559 5,977,896
Interest-bearing deposits at the Federal Reserve 128,971,429 42,348,085
Investment securities available for sale 100,062,300 20,410,550
Fair Value, Inputs, Level 2 [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Investment securities available for sale 87,801,142 108,725,338
Mortgage loans to be sold 2,774,388 12,965,733
Accrued interest receivable 1,404,227 1,595,629
Demand deposits 587,903,356 441,498,500
Time deposits 21,428,310 20,294,852
Accrued interest payable 14,914 20,707
Fair Value, Inputs, Level 3 [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Investment securities available for sale 24,484,047 5,683,930
Loans, net 293,731,997 308,721,680
Reported Value Measurement [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Cash and due from banks 11,140,559 5,977,896
Interest-bearing deposits at the Federal Reserve 128,971,429 42,348,085
Investment securities available for sale 212,347,489 134,819,818
Mortgage loans to be sold 2,774,388 12,965,733
Loans, net 302,255,242 316,616,979
Accrued interest receivable 1,404,227 1,595,629
Demand deposits 587,903,356 441,498,500
Time deposits 21,288,220 20,699,131
Accrued interest payable 14,914 20,707
Estimate of Fair Value Measurement [Member]    
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]    
Cash and due from banks 11,140,559 5,977,896
Interest-bearing deposits at the Federal Reserve 128,971,429 42,348,085
Investment securities available for sale 212,347,489 134,819,818
Mortgage loans to be sold 2,774,388 12,965,733
Loans, net 293,731,997 308,721,680
Accrued interest receivable 1,404,227 1,595,629
Demand deposits 587,903,356 441,498,500
Time deposits 21,428,310 20,294,852
Accrued interest payable $ 14,914 $ 20,707
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Condensed Statements of Financial Condition (Details) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Dec. 31, 2018
Assets        
Other assets $ 2,502,533 $ 1,386,775    
Total assets 679,220,646 532,494,599    
Liabilities and shareholders’ equity        
Shareholders’ equity 53,917,633 54,980,356 $ 51,168,032 $ 45,462,561
Total liabilities and shareholders’ equity 679,220,646 532,494,599    
Parent Company [Member]        
Assets        
Cash 1,233,354 1,723,556 $ 1,096,474 $ 1,007,501
Investment in wholly-owned bank subsidiary 53,327,296 53,934,084    
Other assets 298,998 261,196    
Total assets 54,859,648 55,918,836    
Liabilities and shareholders’ equity        
Other liabilities 942,015 938,480    
Shareholders’ equity 53,917,633 54,980,356    
Total liabilities and shareholders’ equity $ 54,859,648 $ 55,918,836    
XML 112 R94.htm IDEA: XBRL DOCUMENT v3.22.0.1
Condensed Statements of Income (Details) - USD ($)
 3 Months Ended 12 Months Ended
Dec. 31, 2021
Sep. 30, 2021
Jun. 30, 2021
Mar. 31, 2021
Dec. 31, 2020
Sep. 30, 2020
Jun. 30, 2020
Mar. 31, 2020
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Condensed Financial Statements, Captions [Line Items]                      
Interest income $ 4,307,177 $ 4,161,750 $ 4,321,593 $ 4,586,591 $ 4,379,635 $ 4,220,147 $ 4,127,206 $ 4,207,354 $ 17,377,111 $ 16,934,342 $ 18,097,081
Net income $ 1,539,169 $ 1,726,937 $ 1,668,684 $ 1,810,075 $ 1,735,206 $ 1,703,271 $ 1,501,023 $ 1,521,131 6,744,865 6,460,631 7,318,433
Parent Company [Member]                      
Condensed Financial Statements, Captions [Line Items]                      
Interest income                 288 759 1,280
Net operating expenses                 (256,471) (255,409) (221,510)
Dividends received fom bank                 3,805,000 4,700,000 4,170,000
Equity in undistributed earnings of subsidiary                 3,196,048 2,015,281 3,368,663
Net income                 $ 6,744,865 $ 6,460,631 $ 7,318,433
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Condensed Statements of Cash Flows (Details) - USD ($)
 3 Months Ended 12 Months Ended
Dec. 31, 2021
Sep. 30, 2021
Jun. 30, 2021
Mar. 31, 2021
Dec. 31, 2020
Sep. 30, 2020
Jun. 30, 2020
Mar. 31, 2020
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Cash flows from operating activities:                      
Net income $ 1,539,169 $ 1,726,937 $ 1,668,684 $ 1,810,075 $ 1,735,206 $ 1,703,271 $ 1,501,023 $ 1,521,131 $ 6,744,865 $ 6,460,631 $ 7,318,433
Stock-based compensation expense                 103,033 92,986 78,053
Net cash provided by operating activities                 17,463,644 291,987 4,443,468
Cash flows from financing activities:                      
Repurchase of common shares                 (398,868)
Stock options exercised                 207,889 117,044 138,286
Net cash provided by (used in) financing activities                 142,889,696 79,131,311 (7,079,604)
Supplemental disclosure for non-cash investing and financing activity                      
Change in dividends payable                 3,536 53,680 58,163
Parent Company [Member]                      
Cash flows from operating activities:                      
Net income                 6,744,865 6,460,631 7,318,433
Stock-based compensation expense                 103,033 92,986 78,053
Equity in undistributed earnings of subsidiary                 (3,196,048) (2,015,280) (3,368,663)
Decrease in other assets                 (37,802) (36,590) (45,979)
Increase in other liabilities                 (1)
Net cash provided by operating activities                 3,614,047 4,501,747 3,981,844
Cash flows from financing activities:                      
Dividends paid                 (4,312,138) (3,592,841) (4,031,157)
Repurchase of common shares                 (398,868)
Stock options exercised                 207,889 117,044 138,286
Net cash provided by (used in) financing activities                 (4,104,249) (3,874,665) (3,892,871)
Net (decrease) increase in cash                 (490,202) 627,082 88,973
Cash at the beginning of the year       $ 1,723,556       $ 1,096,474 1,723,556 1,096,474 1,007,501
Cash at the end of the year $ 1,233,354       $ 1,723,556       1,233,354 1,723,556 1,096,474
Supplemental disclosure for non-cash investing and financing activity                      
Change in dividends payable                 $ 3,536 $ 53,680 $ 58,163
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The tables below represent the quarterly results of operations for the years ended December 31, 2021 and 2020, respectively: (Details) - USD ($)
 3 Months Ended 12 Months Ended
Dec. 31, 2021
Sep. 30, 2021
Jun. 30, 2021
Mar. 31, 2021
Dec. 31, 2020
Sep. 30, 2020
Jun. 30, 2020
Mar. 31, 2020
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
Quarterly Financial Information Disclosure [Abstract]                      
Total interest and fee income $ 4,345,017 $ 4,201,069 $ 4,363,910 $ 4,641,115 $ 4,442,774 $ 4,292,345 $ 4,203,211 $ 4,301,426 $ 17,551,111 $ 17,239,756 $ 18,912,252
Total interest expense 37,840 39,319 42,317 54,524 63,139 72,198 76,005 94,072 174,000 305,414 815,171
Net interest income 4,307,177 4,161,750 4,321,593 4,586,591 4,379,635 4,220,147 4,127,206 4,207,354 17,377,111 16,934,342 18,097,081
Provision for loan losses 120,000 200,000 40,000 120,000 240,000 180,000
Net interest income after provision for loan losses 4,307,177 4,161,750 4,321,593 4,466,591 4,179,635 4,180,147 4,127,206 4,207,354 17,257,111 16,694,342 17,917,081
Total other income 842,935 1,138,431 946,951 939,914 1,095,596 978,052 703,622 627,631 3,868,231 3,404,901 2,198,609
Total other expense 3,146,129 3,047,534 3,084,596 3,030,715 3,011,191 2,934,998 2,870,223 2,856,521 12,308,974 11,672,933 10,621,983
Income before income tax expense 2,003,983 2,252,647 2,183,948 2,375,790 2,264,040 2,223,201 1,960,605 1,978,464 8,816,368 8,426,310 9,493,707
Income tax expense 464,814 525,710 515,264 565,715 528,834 519,930 459,582 457,333 2,071,503 1,965,679 2,175,274
Net income $ 1,539,169 $ 1,726,937 $ 1,668,684 $ 1,810,075 $ 1,735,206 $ 1,703,271 $ 1,501,023 $ 1,521,131 $ 6,744,865 $ 6,460,631 $ 7,318,433
Basic income per common share $ 0.28 $ 0.31 $ 0.30 $ 0.33 $ 0.31 $ 0.31 $ 0.27 $ 0.28 $ 1.22 $ 1.17 $ 1.33
Diluted income per common share $ 0.27 $ 0.30 $ 0.29 $ 0.32 $ 0.31 $ 0.30 $ 0.26 $ 0.27 $ 1.19 $ 1.14 $ 1.31
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New Roman, Times, Serif"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>1.</b></span></td><td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_828_zOlnNEpjFJj8">ORGANIZATION</span></span></b></span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Bank of South Carolina (the “Bank”) was organized on October 22, 1986 and opened for business as a state-chartered financial institution on February 26, 1987, in Charleston, South Carolina. The Bank was reorganized into a wholly-owned subsidiary of Bank of South Carolina Corporation (the “Company”), effective April 17, 1995. At the time of the reorganization, each outstanding share of the Bank was exchanged for two shares of Bank of South Carolina Corporation Stock.</span></p> <p id="xdx_806_eus-gaap--BusinessDescriptionAndAccountingPoliciesTextBlock_zF0wLA25BA6g" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>2.</b></span></td><td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_82F_z2waRWDv9dei">SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</span></span></b></span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our accounting and reporting policies conform, in all material respects, to U.S. generally accepted accounting principles (“GAAP”), and to general practices within the banking industry. The following summarizes the more significant of these policies and practices.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_84C_eus-gaap--ConsolidationPolicyTextBlock_zdtMFHOxGi07" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86F_zNj3sXjVA8Gk">Principles of Consolidation</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, the Bank. In consolidation, all significant intercompany balances and transactions have been eliminated.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">References to “we,” “us,” “our,” “the Bank,” or “the Company” refer to the parent and its subsidiary that are consolidated for financial reporting purposes.</span></p> <p id="xdx_85E_zuNXqHbqFgtd" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_84B_eus-gaap--UseOfEstimates_zDuUn32Iet5a" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86A_zq670dOuoaNc">Accounting Estimates and Assumptions</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The financial statements are prepared in conformity with GAAP, which require management to make estimates and assumptions. These estimates and assumptions affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reported periods. Actual results could differ significantly from these estimates and assumptions. Material estimates generally susceptible to significant change are related to the determination of the allowance for loan losses, impaired loans, other real estate owned, deferred tax assets, the fair value of financial instruments and other-than-temporary impairment of investment securities.</span></p> <p id="xdx_85B_zjhzHpNQfMsf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_84D_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zbZ4jOXkNUhk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_867_zLqHeVR4QOj6">Reclassification</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain amounts in the prior years’ financial statements have been reclassified to conform to the current year’s presentation. Such reclassifications have no effect on shareholders’ equity or the net income as previously reported.</span></p> <p id="xdx_85F_zhaJ17MvAms2" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_848_eus-gaap--SubsequentEventsPolicyPolicyTextBlock_zj3J508IEn86" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86D_zsaVou7JCf29"><span id="xdx_867_za7z6LsStIub">Subsequent Events</span></span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed as of the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist as of the date of the balance sheet but arose after that date. We have reviewed events occurring through the date the financial statements were available to be issued and no subsequent events occurred requiring accrual or disclosure.</span></p> <p id="xdx_85F_zAAYeyUDtX0e" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_846_eus-gaap--CashAndCashEquivalentsPolicyTextBlock_zcu8FG6qKVy7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_865_zDScSyvjQBud">Cash and Cash Equivalents</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash and cash equivalents include working cash funds, due from banks, interest-bearing deposits at the Federal Reserve, items in process of collection and federal funds sold. All cash equivalents are readily convertible to cash and have maturities of less than 90 days.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Depository institutions are required to maintain reserve and clearing balances at the Federal Reserve Bank. Vault cash satisfied our daily reserve requirement for the years ended December 31, 2021 and 2020. <b> </b></span></p> <p id="xdx_85E_zWbp6hqTfW1k" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_840_eus-gaap--DepositContractsPolicy_z2eZKZUJOPD7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_866_zfLP6S7wevXa">Interest-bearing Deposits at the Federal Reserve</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest-bearing deposits at the Federal Reserve mature daily and are carried at cost.</span></p> <p id="xdx_85C_znmSMe7hSTe6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_84B_eus-gaap--InvestmentPolicyTextBlock_zWm4LcANpnTe" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86F_z5p9rVnq5nDh">Investment Securities</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We classify investments into three categories: (1) Held to Maturity - debt securities that we have the positive intent and ability to hold to maturity, which are reported at amortized cost, adjusted for the amortization of any related premiums or the accretion of any related discounts into interest income using a methodology which approximates a level yield of interest over the estimated remaining period until maturity; (2) Trading - debt securities that are bought and held principally for the purpose of selling them in the near term, which are reported at fair value, with unrealized gains and losses included in earnings; and (3) Available for Sale - debt securities that may be sold under certain conditions, which are reported at fair value, with unrealized gains and losses excluded from earnings and reported as a separate component of shareholders’ equity, net of income taxes. Unrealized losses on securities due to fluctuations in fair value are recognized when it is determined that an other than temporary decline in value has occurred.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Realized gains or losses on the sale of investments are recognized on a specific identification, trade date basis. All securities were classified as available for sale for 2021 and 2020.</span></p> <p id="xdx_85F_zapnsIhKrnE5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_841_eus-gaap--FinanceLoanAndLeaseReceivablesHeldForSalePolicy_za6DhJpLzlWj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86F_z1GsxBJkiRl1">Mortgage Loans to be Sold</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We originate fixed and variable rate residential mortgage loans on a service release basis in the secondary market. Loans closed but not yet settled with an investor are carried in our loans to be sold portfolio.   Virtually all of these loans have commitments to be purchased by investors and the majority of these loans were locked in by price with the investors on the same day or shortly thereafter that the loan was locked in with our customers.  Therefore, these loans present very little market risk.  We usually deliver to, and receive funding from, the investor within 30 to 60 days.  Commitments to sell these loans to the investor are considered derivative contracts and are sold to investors on a “best efforts” basis. We are not obligated to deliver a loan or pay a penalty if a loan is not delivered to the investor. Because of the short-term nature of these derivative contracts, the fair value of the mortgage loans to be sold in most cases is materially the same as the value of the loan amount at its origination<i>.</i></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated market value in the aggregate. Net unrealized losses are provided for in a valuation allowance by charges to operations as a component of mortgage banking income. Gains or losses on sales of loans are recognized when control over these assets are surrendered and are included in mortgage banking income in the consolidated statements of income.</span></p> <p id="xdx_858_zCNpCSil43p7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_843_eus-gaap--LoansAndLeasesReceivableAllowanceForLoanLossesPolicy_zfVzpFkIUjYi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86A_z7pyuKDjpHZ1">Loans and Allowance for Loan Losses</span></span>: </b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans are carried at principal amounts outstanding. Loan origination fees, net of certain direct origination costs, are deferred and recognized over the weighted average life of the loan as an adjustment to yield. Interest income on all loans is recorded on an accrual basis. The accrual of interest and the amortization of net loan fees are generally discontinued on loans that 1) are maintained on a cash basis because of deterioration in the financial condition of the borrower; 2) the payment of full principal is not expected; or 3) the principal or interest has been in default for a period of 90 days or more. We define past due loans based on contractual payment and maturity dates.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The accrual of interest is generally discontinued on loans that become 90 days past due as to principal or interest. The accrual of interest on some loans may continue even though they are 90 days past due if the loans are well secured or in the process of collection and management deems it appropriate. If non-accrual loans decrease their past due status to less than 30 days for a period of six to nine months, they are reviewed individually by management to determine if they should be returned to accrual status.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">When the ultimate collectability of an impaired loan’s principal is in doubt, wholly or partially, all cash receipts are applied to principal. Once the recorded principal balance has been reduced to zero, future cash receipts are applied to interest income, to the extent that any interest has been foregone. Further cash receipts are recorded as recoveries of any amounts previously charged off. When this doubt does not exist, cash receipts are applied under the contractual terms of the loan agreement first to interest income and then to principal.  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We account for impaired loans by requiring that all loans (greater than $<span id="xdx_908_ecustom--ImpairedLoanMinimumAmountRecordedAtFairValue_iI_pp0p0_c20211231_zHLIryulEL6k" title="Impaired loan minimum amount recorded at fair value">50,000</span>) where it is estimated that we will be unable to collect all amounts due according to the terms of the loan agreement be recorded at the loan’s fair value. Fair value may be determined based upon the present value of expected future cash flows discounted at the loan’s effective interest rate, or the fair value of the collateral less cost to sell, if the loan is collateral dependent.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Additional accounting guidance allows us to use existing methods for recognizing interest income on an impaired loan. The guidance also requires additional disclosures about how we estimate interest income related to our impaired loans.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">A loan is also considered impaired if its terms are modified in a troubled debt restructuring (“TDR”). For this type of impaired loan, cash receipts are typically applied to principal and interest receivable in accordance with the terms of the restructured loan agreement. Interest income is recognized on these loans using the accrual method of accounting, provided they are performing in accordance with their restructured terms.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The allowance for loan losses (the “allowance”) is our estimate of credit losses inherent in the loan portfolio. The allowance is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when we believe the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance is evaluated on a regular basis and is based upon our periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We believe that the allowance is adequate to absorb inherent losses in the loan portfolio; however, there can be no assurance that loan losses in future periods will not exceed the current allowance amount or that future increases in the allowance will not be required. No assurance can be given that our ongoing evaluation of the loan portfolio, in light of changing economic conditions and other relevant circumstances, will not require significant future additions to the allowance, thus adversely affecting our operating results.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The allowance is also subject to examination by regulatory agencies, which may consider factors such as the methodology used to determine adequacy and the size of the allowance relative to that of peer institutions and other adequacy tests. In addition, such regulatory agencies could require us to adjust our allowance based on information available at the time of the examination.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The methodology used to determine the reserve for unfunded lending commitments, which is included in other liabilities, is inherently similar to the methodology used to determine the allowance adjusted for factors specific to binding commitments, including the probability of funding and historical loss ratio.</span></p> <p id="xdx_856_zGOqteEMiSaa" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_849_eus-gaap--ConcentrationRiskCreditRisk_zinjZHGhNrDc" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_862_zlblqyxczoVe">Concentration of Credit Risk</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our primary market consists of the counties of Berkeley, Charleston and Dorchester, South Carolina. As of December 31, 2021, the majority of the total loan portfolio, as well as a substantial portion of the commercial and real estate loan portfolios, were to borrowers within this region. No other areas of significant concentration of credit risk have been identified.</span></p> <p id="xdx_85F_zZghPOZzn0kc" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_841_eus-gaap--PropertyPlantAndEquipmentPolicyTextBlock_ziXR7CRNut7k" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_865_z6nPcuHjX0sf">Premises, Equipment and Leasehold Improvements and Depreciation</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Land is carried at cost. Buildings and equipment are stated at cost less accumulated depreciation. Depreciation is recorded using the straight-line method for financial reporting purposes and accelerated methods for income tax purposes over the estimated useful lives of the assets ranging from <span id="xdx_900_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--BuildingMember_zzbogCytAvwb" title="Useful life (in years)">40</span> years for buildings and <span id="xdx_906_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--EquipmentMember__srt--RangeAxis__srt--MinimumMember_zOJ9FuFVQdI8" title="Useful life (in years)">3</span> to <span id="xdx_90B_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--EquipmentMember__srt--RangeAxis__srt--MaximumMember_zrLLGBvYXUP5" title="Useful life (in years)">15</span> years for equipment. Leasehold improvements are amortized over the shorter of the asset’s useful life or the remaining lease term, including renewal periods when reasonably assured. The cost of maintenance and repairs is charged to operating expense as incurred.</span></p> <p id="xdx_850_z1CWYm8oyIA6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_841_eus-gaap--LesseeLeasesPolicyTextBlock_zB6lcnLlwei9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_862_zut3o0RQIef">Leases</span></span>:</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In accordance with ASU 2016-02, the Company determines if a contractual arrangement is a lease at inception. Operating leases are included in the operating right of use (“ROU”) assets and current operating lease liabilities on the Company’s consolidated balance sheet. ROU assets represent the Company’s right to use an underlying asset for the lease term and lease liabilities represent the Company’s obligation to make lease payments arising from the lease. Currently, the Company does not have any finance leases.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Beginning January 1, 2019, operating lease ROU assets and lease liabilities are recognized at the commencement of the lease based on the present value of lease payments over the lease term. The lease payments included in the present value are fixed payments and index-based variable lease payments. The Company estimates the incremental borrowing rate, based on information available at the commencement of the lease, as most of the Company’s leases do not include an implicit rate.</span></p> <p id="xdx_85B_zByNwNDcoMi7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_841_eus-gaap--IncomeTaxPolicyTextBlock_zwRbeUh4cRg6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_868_ziPacCnNTeFg">Income Taxes</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We account for income taxes under the asset and liability method. Deferred tax assets and liabilities are recognized for future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using the enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Net deferred tax assets are included in other assets in the consolidated balance sheet.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accounting standards require the accounting for uncertainty in income taxes recognized in an enterprise’s financial statements. These standards also prescribe a recognition threshold and measurement of a tax position taken or expected to be taken in an enterprise’s tax return. We believe that we had no uncertain tax positions for the years ended December 31, 2021 and 2020.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The income tax effects of unrealized gains and losses on investment securities available for sale are released from accumulated other comprehensive income at the time such securities are sold or impaired.</span></p> <p id="xdx_852_zmpsuyrdnyPf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_847_eus-gaap--ShareBasedCompensationOptionAndIncentivePlansPolicy_zwoqYlEqRUs6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_866_zny1fgox6VBd">Stock-Based Compensation</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compensation cost is recognized for stock options issued to employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options. Compensation cost is recognized over the expected term of the stock options and is adjusted for forfeitures as they occur.</span></p> <p id="xdx_85A_zhmEp4nFJI24" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_846_eus-gaap--EarningsPerSharePolicyTextBlock_z0NnRwEt6MNa" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86E_zD5qhevaBtMf">Income Per Common Share</span></span>: </b> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Basic income per share is computed by dividing net income by the weighted-average number of common shares outstanding. Diluted earnings per share is computed by dividing net income by the weighted-average number of common shares and potential common shares outstanding. Potential common shares consist of dilutive stock options determined using the treasury stock method and the average market price of common stock. Earnings per share are restated for all stock splits and stock dividends through the date of issuance of the consolidated financial statements.</span></p> <p id="xdx_858_zKrkdc6DA0V9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_849_eus-gaap--SegmentReportingPolicyPolicyTextBlock_zKWAQssZcQNk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86B_zi9SQ8drq6r8">Segment Information</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company operates and manages itself within <span id="xdx_90E_eus-gaap--NumberOfOperatingSegments_dc_uNumber_c20210101__20211231_zsipvPcJXsi2" title="Number of segments">one</span> retail banking segment and therefore has not provided segment disclosures.</span></p> <p id="xdx_85A_zUTGR9K35ay8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_84C_eus-gaap--DerivativesPolicyTextBlock_zPMHbNzdvmBd" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86C_zjunmVTRZ101">Interest Rate Lock Commitments and Forward Sale Contracts</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as free-standing derivatives. The fair value of the interest rate lock is recorded at the time the commitment to fund the mortgage loan is executed and is adjusted for the expected exercise of the commitments before the loan is funded. In order to hedge the change in interest rates resulting from commitments to fund the loans, we enter into forward commitments for the future delivery of mortgage loans when the interest rate is locked. Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked. Changes in the fair values of these derivatives are included in income when they occur. As a result of the short-term nature of mortgage loans held for sale (derivative contract), our derivative instruments were considered to be immaterial as of December 31, 2021 and 2020.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We had no embedded derivative instruments requiring hedge accounting treatment at December 31, 2021 and 2020. We do not currently engage in hedging activities.</span></p> <p id="xdx_85C_z2ZNchJWolxl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_84D_eus-gaap--NewAccountingPronouncementsPolicyPolicyTextBlock_z7EIUA3M1B1e" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_866_zWS1PDqBQ0V9">Recent Accounting Pronouncements</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following is a summary of recent authoritative pronouncements that could impact the accounting, reporting and/or disclosure of financial information by the Company.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In June 2016, the FASB issued ASU 2016-13, <i>Financial instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments</i>, to change the accounting for credit losses and modify the impairment model for certain debt securities. ASU 2016-13 changes the impairment model for most financial assets to a current expected credit loss ("CECL") model, replacing the incurred loss model that is currently in use. The new guidance requires an entity to measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable supportable forecasts. The CECL model will apply to financial assets measured at amortized cost, such as loans and investments, as well as certain off-balance sheet credit exposures. In May 2019, the FASB issued guidance to provide entities with an option to irrevocably elect the fair value option, applied on an instrument-by-instrument basis for eligible instruments, upon adoption of ASU 2016-13, Measurement of Credit Losses on Financial Instruments. In October 2019, the FASB voted to extend the implementation date for smaller reporting companies, non-SEC public companies, and private companies. This amendment will become effective for the Company on January 1, 2023. In connection with its efforts to implement ASU 2016-13, the Company internally developed and tested a model to apply the provisions of this guidance upon adoption. The Company is currently in the process of evaluating the impact on the consolidated financial statements of adopting ASU 2016-13. The actual impact of adopting ASU 2016-13 will be influenced by the quality, composition, and characteristics of our loan and investment portfolios, as well as the expected economic conditions and forecasts at the time of adoption and future reporting periods. </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In December 2019, the FASB issued ASU 2019-12, <i>Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes</i>, which provides guidance to simply accounting for income taxes by removing specific technical exceptions that can produce information investors do not understand. The amendments improve and simplify the application of GAAP for other areas of Topic 740 by clarifying and amending the existing guidance. The amendment became effective January 1, 2021 and did not have a material effect on the consolidated financial statements.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In January 2020, the FASB issued guidance to address accounting for the transition into and out of the equity method and measuring certain purchased options and forward contracts to acquire investments. The amendment became effective January 1, 2021 and did not have a material effect on the consolidated financial statements.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In March 2020, the FASB issued guidance that makes narrow-scope improvements to various aspects of the financial instrument guidance, including the current expected credit losses (CECL) guidance issued in 2016. The amendments related to conforming amendments. For public business entities, the amendments are effective upon issuance of this final ASU. For the amendments related to ASU 2016-13, public business entities that meet the definition of an SEC filer, excluding eligible smaller reporting companies (SRCs) as defined by the SEC, should adopt the amendments in ASU 2016-13 during 2020. Early adoption will continue to be permitted. For entities that have not yet adopted the guidance in ASU 2016-13, the effective dates and the transition requirements for these amendments are the same as the effective date and transition requirements in ASU 2016-13. The Company does not expect these amendments to have a material effect on its consolidated financial statements.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In March 2020, the FASB issued guidance to provide temporary optional guidance to ease the potential burden in accounting for reference rate reform. The amendments are effective as of March 12, 2020 through December 31, 2022. The Company does not expect these amendments to have a material effect on its consolidated financial statements.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In January 2021, the FASB issued amendments to clarify that certain optional expedients and exceptions in the reference rate reform topic for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. The amendments were effective immediately upon issuance. The amendments did not have a material effect on the Company’s consolidated financial statements.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In August 2021, the FASB issued amendments to update SEC paragraphs in the Accounting Standards Codification to reflect the issuance of SEC Release No. 33-10786, Amendments to Financial Disclosures about Acquired and Disposed Businesses, and No. 33-10835, Update of Statistical Disclosures for Bank and Savings and Loan Registrants. The amendments were effective upon issuance. The amendments did not have a material effect on the Company’s consolidated financial statements.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In November 2021, the FASB added a topic to the Accounting Standards Codification, Government Assistance, to require certain annual disclosures about transactions with a government that are accounted for by applying a grant or contribution accounting model by analogy to other accounting guidance. The guidance is effective for financial statements issued for annual periods beginning after December 15, 2021. The Company does not expect these amendments to have a material effect on its consolidated financial statements.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on our financial position, results of operations or cash flows. </span> </p> <p id="xdx_84C_eus-gaap--ConsolidationPolicyTextBlock_zdtMFHOxGi07" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86F_zNj3sXjVA8Gk">Principles of Consolidation</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, the Bank. In consolidation, all significant intercompany balances and transactions have been eliminated.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">References to “we,” “us,” “our,” “the Bank,” or “the Company” refer to the parent and its subsidiary that are consolidated for financial reporting purposes.</span></p> <p id="xdx_84B_eus-gaap--UseOfEstimates_zDuUn32Iet5a" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86A_zq670dOuoaNc">Accounting Estimates and Assumptions</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The financial statements are prepared in conformity with GAAP, which require management to make estimates and assumptions. These estimates and assumptions affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities as of the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reported periods. Actual results could differ significantly from these estimates and assumptions. Material estimates generally susceptible to significant change are related to the determination of the allowance for loan losses, impaired loans, other real estate owned, deferred tax assets, the fair value of financial instruments and other-than-temporary impairment of investment securities.</span></p> <p id="xdx_84D_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zbZ4jOXkNUhk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_867_zLqHeVR4QOj6">Reclassification</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain amounts in the prior years’ financial statements have been reclassified to conform to the current year’s presentation. Such reclassifications have no effect on shareholders’ equity or the net income as previously reported.</span></p> <p id="xdx_848_eus-gaap--SubsequentEventsPolicyPolicyTextBlock_zj3J508IEn86" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86D_zsaVou7JCf29"><span id="xdx_867_za7z6LsStIub">Subsequent Events</span></span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed as of the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist as of the date of the balance sheet but arose after that date. We have reviewed events occurring through the date the financial statements were available to be issued and no subsequent events occurred requiring accrual or disclosure.</span></p> <p id="xdx_846_eus-gaap--CashAndCashEquivalentsPolicyTextBlock_zcu8FG6qKVy7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_865_zDScSyvjQBud">Cash and Cash Equivalents</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cash and cash equivalents include working cash funds, due from banks, interest-bearing deposits at the Federal Reserve, items in process of collection and federal funds sold. All cash equivalents are readily convertible to cash and have maturities of less than 90 days.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Depository institutions are required to maintain reserve and clearing balances at the Federal Reserve Bank. Vault cash satisfied our daily reserve requirement for the years ended December 31, 2021 and 2020. <b> </b></span></p> <p id="xdx_840_eus-gaap--DepositContractsPolicy_z2eZKZUJOPD7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_866_zfLP6S7wevXa">Interest-bearing Deposits at the Federal Reserve</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest-bearing deposits at the Federal Reserve mature daily and are carried at cost.</span></p> <p id="xdx_84B_eus-gaap--InvestmentPolicyTextBlock_zWm4LcANpnTe" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86F_z5p9rVnq5nDh">Investment Securities</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We classify investments into three categories: (1) Held to Maturity - debt securities that we have the positive intent and ability to hold to maturity, which are reported at amortized cost, adjusted for the amortization of any related premiums or the accretion of any related discounts into interest income using a methodology which approximates a level yield of interest over the estimated remaining period until maturity; (2) Trading - debt securities that are bought and held principally for the purpose of selling them in the near term, which are reported at fair value, with unrealized gains and losses included in earnings; and (3) Available for Sale - debt securities that may be sold under certain conditions, which are reported at fair value, with unrealized gains and losses excluded from earnings and reported as a separate component of shareholders’ equity, net of income taxes. Unrealized losses on securities due to fluctuations in fair value are recognized when it is determined that an other than temporary decline in value has occurred.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Realized gains or losses on the sale of investments are recognized on a specific identification, trade date basis. All securities were classified as available for sale for 2021 and 2020.</span></p> <p id="xdx_841_eus-gaap--FinanceLoanAndLeaseReceivablesHeldForSalePolicy_za6DhJpLzlWj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86F_z1GsxBJkiRl1">Mortgage Loans to be Sold</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We originate fixed and variable rate residential mortgage loans on a service release basis in the secondary market. Loans closed but not yet settled with an investor are carried in our loans to be sold portfolio.   Virtually all of these loans have commitments to be purchased by investors and the majority of these loans were locked in by price with the investors on the same day or shortly thereafter that the loan was locked in with our customers.  Therefore, these loans present very little market risk.  We usually deliver to, and receive funding from, the investor within 30 to 60 days.  Commitments to sell these loans to the investor are considered derivative contracts and are sold to investors on a “best efforts” basis. We are not obligated to deliver a loan or pay a penalty if a loan is not delivered to the investor. Because of the short-term nature of these derivative contracts, the fair value of the mortgage loans to be sold in most cases is materially the same as the value of the loan amount at its origination<i>.</i></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated market value in the aggregate. Net unrealized losses are provided for in a valuation allowance by charges to operations as a component of mortgage banking income. Gains or losses on sales of loans are recognized when control over these assets are surrendered and are included in mortgage banking income in the consolidated statements of income.</span></p> <p id="xdx_843_eus-gaap--LoansAndLeasesReceivableAllowanceForLoanLossesPolicy_zfVzpFkIUjYi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86A_z7pyuKDjpHZ1">Loans and Allowance for Loan Losses</span></span>: </b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans are carried at principal amounts outstanding. Loan origination fees, net of certain direct origination costs, are deferred and recognized over the weighted average life of the loan as an adjustment to yield. Interest income on all loans is recorded on an accrual basis. The accrual of interest and the amortization of net loan fees are generally discontinued on loans that 1) are maintained on a cash basis because of deterioration in the financial condition of the borrower; 2) the payment of full principal is not expected; or 3) the principal or interest has been in default for a period of 90 days or more. We define past due loans based on contractual payment and maturity dates.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The accrual of interest is generally discontinued on loans that become 90 days past due as to principal or interest. The accrual of interest on some loans may continue even though they are 90 days past due if the loans are well secured or in the process of collection and management deems it appropriate. If non-accrual loans decrease their past due status to less than 30 days for a period of six to nine months, they are reviewed individually by management to determine if they should be returned to accrual status.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">When the ultimate collectability of an impaired loan’s principal is in doubt, wholly or partially, all cash receipts are applied to principal. Once the recorded principal balance has been reduced to zero, future cash receipts are applied to interest income, to the extent that any interest has been foregone. Further cash receipts are recorded as recoveries of any amounts previously charged off. When this doubt does not exist, cash receipts are applied under the contractual terms of the loan agreement first to interest income and then to principal.  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We account for impaired loans by requiring that all loans (greater than $<span id="xdx_908_ecustom--ImpairedLoanMinimumAmountRecordedAtFairValue_iI_pp0p0_c20211231_zHLIryulEL6k" title="Impaired loan minimum amount recorded at fair value">50,000</span>) where it is estimated that we will be unable to collect all amounts due according to the terms of the loan agreement be recorded at the loan’s fair value. Fair value may be determined based upon the present value of expected future cash flows discounted at the loan’s effective interest rate, or the fair value of the collateral less cost to sell, if the loan is collateral dependent.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Additional accounting guidance allows us to use existing methods for recognizing interest income on an impaired loan. The guidance also requires additional disclosures about how we estimate interest income related to our impaired loans.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">A loan is also considered impaired if its terms are modified in a troubled debt restructuring (“TDR”). For this type of impaired loan, cash receipts are typically applied to principal and interest receivable in accordance with the terms of the restructured loan agreement. Interest income is recognized on these loans using the accrual method of accounting, provided they are performing in accordance with their restructured terms.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The allowance for loan losses (the “allowance”) is our estimate of credit losses inherent in the loan portfolio. The allowance is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when we believe the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance is evaluated on a regular basis and is based upon our periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We believe that the allowance is adequate to absorb inherent losses in the loan portfolio; however, there can be no assurance that loan losses in future periods will not exceed the current allowance amount or that future increases in the allowance will not be required. No assurance can be given that our ongoing evaluation of the loan portfolio, in light of changing economic conditions and other relevant circumstances, will not require significant future additions to the allowance, thus adversely affecting our operating results.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The allowance is also subject to examination by regulatory agencies, which may consider factors such as the methodology used to determine adequacy and the size of the allowance relative to that of peer institutions and other adequacy tests. In addition, such regulatory agencies could require us to adjust our allowance based on information available at the time of the examination.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The methodology used to determine the reserve for unfunded lending commitments, which is included in other liabilities, is inherently similar to the methodology used to determine the allowance adjusted for factors specific to binding commitments, including the probability of funding and historical loss ratio.</span></p> 50000 <p id="xdx_849_eus-gaap--ConcentrationRiskCreditRisk_zinjZHGhNrDc" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_862_zlblqyxczoVe">Concentration of Credit Risk</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our primary market consists of the counties of Berkeley, Charleston and Dorchester, South Carolina. As of December 31, 2021, the majority of the total loan portfolio, as well as a substantial portion of the commercial and real estate loan portfolios, were to borrowers within this region. No other areas of significant concentration of credit risk have been identified.</span></p> <p id="xdx_841_eus-gaap--PropertyPlantAndEquipmentPolicyTextBlock_ziXR7CRNut7k" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_865_z6nPcuHjX0sf">Premises, Equipment and Leasehold Improvements and Depreciation</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Land is carried at cost. Buildings and equipment are stated at cost less accumulated depreciation. Depreciation is recorded using the straight-line method for financial reporting purposes and accelerated methods for income tax purposes over the estimated useful lives of the assets ranging from <span id="xdx_900_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--BuildingMember_zzbogCytAvwb" title="Useful life (in years)">40</span> years for buildings and <span id="xdx_906_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--EquipmentMember__srt--RangeAxis__srt--MinimumMember_zOJ9FuFVQdI8" title="Useful life (in years)">3</span> to <span id="xdx_90B_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--EquipmentMember__srt--RangeAxis__srt--MaximumMember_zrLLGBvYXUP5" title="Useful life (in years)">15</span> years for equipment. Leasehold improvements are amortized over the shorter of the asset’s useful life or the remaining lease term, including renewal periods when reasonably assured. The cost of maintenance and repairs is charged to operating expense as incurred.</span></p> P40Y P3Y P15Y <p id="xdx_841_eus-gaap--LesseeLeasesPolicyTextBlock_zB6lcnLlwei9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_862_zut3o0RQIef">Leases</span></span>:</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In accordance with ASU 2016-02, the Company determines if a contractual arrangement is a lease at inception. Operating leases are included in the operating right of use (“ROU”) assets and current operating lease liabilities on the Company’s consolidated balance sheet. ROU assets represent the Company’s right to use an underlying asset for the lease term and lease liabilities represent the Company’s obligation to make lease payments arising from the lease. Currently, the Company does not have any finance leases.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Beginning January 1, 2019, operating lease ROU assets and lease liabilities are recognized at the commencement of the lease based on the present value of lease payments over the lease term. The lease payments included in the present value are fixed payments and index-based variable lease payments. The Company estimates the incremental borrowing rate, based on information available at the commencement of the lease, as most of the Company’s leases do not include an implicit rate.</span></p> <p id="xdx_841_eus-gaap--IncomeTaxPolicyTextBlock_zwRbeUh4cRg6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_868_ziPacCnNTeFg">Income Taxes</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We account for income taxes under the asset and liability method. Deferred tax assets and liabilities are recognized for future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using the enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Net deferred tax assets are included in other assets in the consolidated balance sheet.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accounting standards require the accounting for uncertainty in income taxes recognized in an enterprise’s financial statements. These standards also prescribe a recognition threshold and measurement of a tax position taken or expected to be taken in an enterprise’s tax return. We believe that we had no uncertain tax positions for the years ended December 31, 2021 and 2020.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The income tax effects of unrealized gains and losses on investment securities available for sale are released from accumulated other comprehensive income at the time such securities are sold or impaired.</span></p> <p id="xdx_847_eus-gaap--ShareBasedCompensationOptionAndIncentivePlansPolicy_zwoqYlEqRUs6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_866_zny1fgox6VBd">Stock-Based Compensation</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compensation cost is recognized for stock options issued to employees, based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options. Compensation cost is recognized over the expected term of the stock options and is adjusted for forfeitures as they occur.</span></p> <p id="xdx_846_eus-gaap--EarningsPerSharePolicyTextBlock_z0NnRwEt6MNa" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86E_zD5qhevaBtMf">Income Per Common Share</span></span>: </b> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Basic income per share is computed by dividing net income by the weighted-average number of common shares outstanding. Diluted earnings per share is computed by dividing net income by the weighted-average number of common shares and potential common shares outstanding. Potential common shares consist of dilutive stock options determined using the treasury stock method and the average market price of common stock. Earnings per share are restated for all stock splits and stock dividends through the date of issuance of the consolidated financial statements.</span></p> <p id="xdx_849_eus-gaap--SegmentReportingPolicyPolicyTextBlock_zKWAQssZcQNk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86B_zi9SQ8drq6r8">Segment Information</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company operates and manages itself within <span id="xdx_90E_eus-gaap--NumberOfOperatingSegments_dc_uNumber_c20210101__20211231_zsipvPcJXsi2" title="Number of segments">one</span> retail banking segment and therefore has not provided segment disclosures.</span></p> 1 <p id="xdx_84C_eus-gaap--DerivativesPolicyTextBlock_zPMHbNzdvmBd" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_86C_zjunmVTRZ101">Interest Rate Lock Commitments and Forward Sale Contracts</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of these mortgage loans are accounted for as free-standing derivatives. The fair value of the interest rate lock is recorded at the time the commitment to fund the mortgage loan is executed and is adjusted for the expected exercise of the commitments before the loan is funded. In order to hedge the change in interest rates resulting from commitments to fund the loans, we enter into forward commitments for the future delivery of mortgage loans when the interest rate is locked. Fair values of these mortgage derivatives are estimated based on changes in mortgage interest rates from the date the interest on the loan is locked. Changes in the fair values of these derivatives are included in income when they occur. As a result of the short-term nature of mortgage loans held for sale (derivative contract), our derivative instruments were considered to be immaterial as of December 31, 2021 and 2020.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We had no embedded derivative instruments requiring hedge accounting treatment at December 31, 2021 and 2020. We do not currently engage in hedging activities.</span></p> <p id="xdx_84D_eus-gaap--NewAccountingPronouncementsPolicyPolicyTextBlock_z7EIUA3M1B1e" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_866_zWS1PDqBQ0V9">Recent Accounting Pronouncements</span></span>:</b>  </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following is a summary of recent authoritative pronouncements that could impact the accounting, reporting and/or disclosure of financial information by the Company.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In June 2016, the FASB issued ASU 2016-13, <i>Financial instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments</i>, to change the accounting for credit losses and modify the impairment model for certain debt securities. ASU 2016-13 changes the impairment model for most financial assets to a current expected credit loss ("CECL") model, replacing the incurred loss model that is currently in use. The new guidance requires an entity to measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable supportable forecasts. The CECL model will apply to financial assets measured at amortized cost, such as loans and investments, as well as certain off-balance sheet credit exposures. In May 2019, the FASB issued guidance to provide entities with an option to irrevocably elect the fair value option, applied on an instrument-by-instrument basis for eligible instruments, upon adoption of ASU 2016-13, Measurement of Credit Losses on Financial Instruments. In October 2019, the FASB voted to extend the implementation date for smaller reporting companies, non-SEC public companies, and private companies. This amendment will become effective for the Company on January 1, 2023. In connection with its efforts to implement ASU 2016-13, the Company internally developed and tested a model to apply the provisions of this guidance upon adoption. The Company is currently in the process of evaluating the impact on the consolidated financial statements of adopting ASU 2016-13. The actual impact of adopting ASU 2016-13 will be influenced by the quality, composition, and characteristics of our loan and investment portfolios, as well as the expected economic conditions and forecasts at the time of adoption and future reporting periods. </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In December 2019, the FASB issued ASU 2019-12, <i>Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes</i>, which provides guidance to simply accounting for income taxes by removing specific technical exceptions that can produce information investors do not understand. The amendments improve and simplify the application of GAAP for other areas of Topic 740 by clarifying and amending the existing guidance. The amendment became effective January 1, 2021 and did not have a material effect on the consolidated financial statements.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In January 2020, the FASB issued guidance to address accounting for the transition into and out of the equity method and measuring certain purchased options and forward contracts to acquire investments. The amendment became effective January 1, 2021 and did not have a material effect on the consolidated financial statements.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In March 2020, the FASB issued guidance that makes narrow-scope improvements to various aspects of the financial instrument guidance, including the current expected credit losses (CECL) guidance issued in 2016. The amendments related to conforming amendments. For public business entities, the amendments are effective upon issuance of this final ASU. For the amendments related to ASU 2016-13, public business entities that meet the definition of an SEC filer, excluding eligible smaller reporting companies (SRCs) as defined by the SEC, should adopt the amendments in ASU 2016-13 during 2020. Early adoption will continue to be permitted. For entities that have not yet adopted the guidance in ASU 2016-13, the effective dates and the transition requirements for these amendments are the same as the effective date and transition requirements in ASU 2016-13. The Company does not expect these amendments to have a material effect on its consolidated financial statements.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In March 2020, the FASB issued guidance to provide temporary optional guidance to ease the potential burden in accounting for reference rate reform. The amendments are effective as of March 12, 2020 through December 31, 2022. The Company does not expect these amendments to have a material effect on its consolidated financial statements.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In January 2021, the FASB issued amendments to clarify that certain optional expedients and exceptions in the reference rate reform topic for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition. The amendments were effective immediately upon issuance. The amendments did not have a material effect on the Company’s consolidated financial statements.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In August 2021, the FASB issued amendments to update SEC paragraphs in the Accounting Standards Codification to reflect the issuance of SEC Release No. 33-10786, Amendments to Financial Disclosures about Acquired and Disposed Businesses, and No. 33-10835, Update of Statistical Disclosures for Bank and Savings and Loan Registrants. The amendments were effective upon issuance. The amendments did not have a material effect on the Company’s consolidated financial statements.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In November 2021, the FASB added a topic to the Accounting Standards Codification, Government Assistance, to require certain annual disclosures about transactions with a government that are accounted for by applying a grant or contribution accounting model by analogy to other accounting guidance. The guidance is effective for financial statements issued for annual periods beginning after December 15, 2021. The Company does not expect these amendments to have a material effect on its consolidated financial statements.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on our financial position, results of operations or cash flows. </span> </p> <p id="xdx_804_eus-gaap--InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_zccy7u2on5fi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b>3.</b></span></td><td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b><span style="text-decoration: underline"><span id="xdx_82F_zTn6MFmHBvh">INVESTMENT SECURITIES AVAILABLE FOR SALE</span></span></b></span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89B_eus-gaap--DebtSecuritiesAvailableForSaleTableTextBlock_zs5DNEu3Rdya" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B9_zYo0qExjI7p9">The amortized cost and fair value of investment securities available for sale are summarized as follows.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized<br/> Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross<br/> Unrealized<br/> Gains</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross<br/> Unrealized<br/> Losses</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Estimated<br/> Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 52%; text-align: left">U.S. Treasury Notes</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zxwhgDdfuZ64" style="width: 9%; text-align: right" title="Amortized Cost">101,269,851</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zicBbv5jg6zh" style="width: 9%; text-align: right" title="Gross Unrealized Gains">68,848</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zUO2AoEil832" style="width: 9%; text-align: right" title="Gross Unrealized Losses">(1,276,399</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z521rUZUiiVa" style="width: 9%; text-align: right" title="Estimated Fair Value">100,062,300</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Government-Sponsored Enterprises</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zE5XFL1w4pu7" style="text-align: right" title="Amortized Cost">76,355,720</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zSySTbQQ1VAg" style="text-align: right" title="Gross Unrealized Gains">275,123</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zdYcRzEK2Bba" style="text-align: right" title="Gross Unrealized Losses">(1,909,834</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zjcWOBHlBWz5" style="text-align: right">74,721,009</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Municipal Securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zJZqvytSC04e" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized Cost">37,421,880</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z7Tk0HvY0rf2" style="border-bottom: Black 1pt solid; text-align: right" title="Gross Unrealized Gains">335,912</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zaFzRSZ7RPSd" style="border-bottom: Black 1pt solid; text-align: right" title="Gross Unrealized Losses">(193,612</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zSt3TMxqpt5d" style="border-bottom: Black 1pt solid; text-align: right">37,564,180</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_c20211231_zCnNyzbjdnD2" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized Cost">215,047,451</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_c20211231_zWh22J0qk0Sj" style="border-bottom: Black 2.5pt double; text-align: right">679,883</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_di_c20211231_zMgnhcpIskpa" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Losses">(3,379,845</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_c20211231_zpUmCLp69Ube" style="border-bottom: Black 2.5pt double; text-align: right">212,347,489</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized<br/> Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross<br/> Unrealized<br/> Gains</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross<br/> Unrealized<br/> Losses</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Estimated<br/> Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 52%; text-align: left">U.S. Treasury Notes</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zSsDRZRYsIff" style="width: 9%; text-align: right" title="Amortized Cost">20,036,549</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zdSec6FRQDy8" style="width: 9%; text-align: right" title="Gross Unrealized Gains">374,001</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zjaJB3sSn773" style="width: 9%; text-align: right" title="Gross Unrealized Losses"><span style="-sec-ix-hidden: xdx2ixbrl0741">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zomZeXyjih2e" style="width: 9%; text-align: right">20,410,550</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Government-Sponsored Enterprises</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zOqBaweyWJo3" style="text-align: right" title="Amortized Cost">96,614,182</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_z9feCgBgVRei" style="text-align: right" title="Gross Unrealized Gains">1,398,884</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_z8G1B50sKRv9" style="text-align: right" title="Gross Unrealized Losses">(160,260</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zQBT9Ovgen8f" style="text-align: right">97,852,806</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Municipal Securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z2WQl3NXLEQe" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized Cost">16,055,332</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z9JankTlEOqh" style="border-bottom: Black 1pt solid; text-align: right" title="Gross Unrealized Gains">501,130</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z26qs4H9qri5" style="border-bottom: Black 1pt solid; text-align: right" title="Gross Unrealized Losses"><span style="-sec-ix-hidden: xdx2ixbrl0755">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z3S9ii0iI3pj" style="border-bottom: Black 1pt solid; text-align: right">16,556,462</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_c20201231_zjfwlbV1Ixw1" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized Cost">132,706,063</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_c20201231_zqeepBBM2SB1" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Gains">2,274,015</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_di_c20201231_zMFo4OYPcOV9" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Losses">(160,260</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_c20201231_zPxM62Gm5jpe" style="border-bottom: Black 2.5pt double; text-align: right">134,819,818</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AF_zQLLxm3Z7Cwl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"> </p> <p id="xdx_895_eus-gaap--InvestmentsClassifiedByContractualMaturityDateTableTextBlock_zvrQrTjgRKT3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B6_zYz5d5r4jxrj">The amortized cost and estimated fair value of investment securities available for sale at December 31, 2021 and 2020, by contractual maturity are in the following table.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized<br/> Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Estimated<br/> Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized<br/> Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Estimated<br/> Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 52%; text-align: left">Due in one year or less</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_iI_maAC_c20211231_z99lpnp4fN5c" style="width: 9%; text-align: right" title="Due in one year or less, amortized cost">12,756,176</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_iI_maFV_c20211231_zzxv2ccBdwoe" style="width: 9%; text-align: right" title="Due in one year or less, estimated fair value">12,859,086</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_iI_c20201231_zczxzchB4y6d" style="width: 9%; text-align: right" title="Due in one year or less, amortized cost">32,245,646</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_iI_c20201231_zwKN0tQNsuef" style="width: 9%; text-align: right">32,622,890</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Due in one year to five years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_iI_maAC_c20211231_zpzQqVmY9Mpi" style="text-align: right" title="Due in one year to five years, amortized cost">116,602,790</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_iI_maFV_c20211231_zqC9FrRt6DIa" style="text-align: right" title="Due in one year to five years, estimated fair value">115,896,465</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_iI_c20201231_zuTrm0UPLTfl" style="text-align: right" title="Due in one year to five years, amortized cost">40,022,194</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_iI_c20201231_zjxME2BTPu8j" style="text-align: right">41,258,370</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Due in five years to ten years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_iI_maAC_c20211231_zty4QMowUJbh" style="text-align: right" title="Due in five years to ten years, amortized cost">76,531,464</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_iI_maFV_c20211231_zdIFtU0HkIYk" style="text-align: right" title="Due in five years to ten years, estimated fair value">74,575,862</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_iI_c20201231_z2UCrAFEc7ki" style="text-align: right" title="Due in one year to five years, amortized cost">50,438,223</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_iI_c20201231_zum53mrYXPjl" style="text-align: right">50,968,288</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Due in ten years and over</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_iI_maAC_c20211231_zQhvQepjzaz5" style="border-bottom: Black 1pt solid; text-align: right" title="Due in ten years and over, amortized cost">9,157,021</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_iI_maFV_c20211231_zlQbyLiIO5Qa" style="border-bottom: Black 1pt solid; text-align: right" title="Due in ten years and over, estimated fair value">9,016,076</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_iI_c20201231_z4Qj8j16iBTe" style="border-bottom: Black 1pt solid; text-align: right">10,000,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_iI_c20201231_zeooRg6R60pk" style="border-bottom: Black 1pt solid; text-align: right">9,970,270</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_mtAC_c20211231_zDzA3VklvY3c" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, amortized cost">215,047,451</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_mtFV_c20211231_zo26iwqyGAI2" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, estimated fair value">212,347,489</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_c20201231_zDtRi2hqszS9" style="border-bottom: Black 2.5pt double; text-align: right">132,706,063</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_c20201231_zf60c7Jqok68" style="border-bottom: Black 2.5pt double; text-align: right">134,819,818</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A5_zRSBvzamNMLf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Securities pledged to secure deposits at December 31, 2021 and 2020, had a carrying amount of $<span id="xdx_90B_ecustom--CarryingAmountOfSecuritiesPledgedToSecureDepositsAndRepurchaseAgreements_iI_c20211231_zwsyM7ZHCYU9" title="Investment securities pledged to secure deposits, fair value">33,292,124</span> and $<span id="xdx_90E_ecustom--CarryingAmountOfSecuritiesPledgedToSecureDepositsAndRepurchaseAgreements_iI_c20201231_zxa8rs5LNz29">42,398,616</span>, respectively.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89B_eus-gaap--ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_z18dA843evV8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B2_zX9BPy5peIo2">The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2021 and 2020.</span> We believe that all unrealized losses have resulted from temporary changes in the interest rate market and not as a result of credit deterioration. We do not intend to sell and it is not likely that we will be required to sell any of the securities referenced in the table below before recovery of their amortized cost.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="34" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Less Than 12 Months</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">12 Months or Longer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">#</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair<br/> Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized<br/> Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">#</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair<br/> Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized<br/> Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">#</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair<br/> Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized<br/> Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 25%; text-align: left">U.S. Treasury Notes</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_uNumber_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zVphqf6UvbN4" style="width: 4%; text-align: right">15</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zWZDVs8pAw3c" style="width: 6%; text-align: right">94,994,915</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zFSuUr1xp4G7" style="width: 6%; text-align: right">(1,276,399</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_uNumber_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zNLLyJaxLCmb" style="width: 4%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0813">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z8625mszlkj9" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0814">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zjUYmtZ5eRVe" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0815">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z21qKomlgtq2" style="width: 4%; text-align: right">15</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPosition_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zFGKxiIQVJPg" style="width: 6%; text-align: right">94,994,915</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zftiRvbbXzij" style="width: 6%; text-align: right">(1,276,399</td><td style="width: 1%; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Government-Sponsored Enterprises</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_uNumber_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zwJH8bDSdkH3" style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zRasvn9KAcag" style="text-align: right">19,480,595</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_znFYpKAsg1r9" style="text-align: right">(519,405</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_uNumber_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zLW51nWAbcQ8" style="text-align: right">6</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zms2opAumGc3" style="text-align: right">39,909,134</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zbMU3fsSP4k5" style="text-align: right">(1,390,429</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zn7OSSAkKRpc" style="text-align: right">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPosition_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_znc1xq37rWib" style="text-align: right">59,389,729</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zgwErfLsKGDd" style="text-align: right">(1,909,834</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Municipal Securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_uNumber_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zAwBcvpQX36" style="border-bottom: Black 1pt solid; text-align: right">19</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zd66bZD487xh" style="border-bottom: Black 1pt solid; text-align: right">11,384,462</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zxw3jzRTg6If" style="border-bottom: Black 1pt solid; text-align: right">(193,612</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_uNumber_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zrsqCjER1ruc" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0831">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z5TMvWMuyLbk" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0832">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zxjrNtqcSzNg" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0833">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z8tUscuzdZD5" style="border-bottom: Black 1pt solid; text-align: right">19</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPosition_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z1Oi0xCt9gTd" style="border-bottom: Black 1pt solid; text-align: right">11,384,462</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z0prbr7LxYwk" style="border-bottom: Black 1pt solid; text-align: right">(193,612</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_uNumber_c20211231_zQb9YNqraTR7" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of positions, less than 12 months">37</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_c20211231_zNYPVljI2Ky8" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair Value, less than 12 months">125,859,972</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iNI_di_c20211231_zsQIJvRfWaZ2" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Losses, less than 12 months">(1,989,416</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_uNumber_c20211231_zn4hkoUPc1d" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of positions, 12 months or longer">6</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20211231_zGWxI8p5yvq1" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair Value, 12 months or longer">39,909,134</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iNI_di_c20211231_zqdm2wunyOKg" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Losses, 12 months or longer">(1,390,429</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20211231_zSann57gR0Nd" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of positions">43</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPosition_iI_c20211231_zweaxJAKuAY2" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value">165,769,106</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iNI_di_c20211231_zRUywmA0Z2Pe" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Losses">(3,379,845</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="34" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Less Than 12 Months</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">12 Months or Longer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">#</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair<br/> Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized<br/> Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">#</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair<br/> Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized<br/> Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">#</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair<br/> Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized<br/> Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -8.65pt; padding-left: 8.65pt">U.S. Treasury Notes</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_uNumber_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zK5L6YK02BKd" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0855">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zVra3URv3pib" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0856">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zWO9Hwu2GH3i" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0857">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zU7HjAIGHYUf" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0858">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPosition_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zqvTbb63AJVa" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0859">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zuLUttsPFEv6" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0860">—</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 25%; text-align: left; text-indent: -8.65pt; padding-left: 8.65pt">Government-Sponsored Enterprises</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_uNumber_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zMUW1X9oSW55" style="width: 4%; text-align: right">4</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zGBEIxT2KYn4" style="width: 6%; text-align: right">29,839,740</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_z31pFibttQl6" style="width: 6%; text-align: right">(160,260</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 4%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 6%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 6%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_z2R1O2XIPFGl" style="width: 4%; text-align: right">4</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPosition_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zuRwQwA8bAj1" style="width: 6%; text-align: right">29,839,740</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zTO0Jaut2pab" style="width: 6%; text-align: right">(160,260</td><td style="width: 1%; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -8.65pt; padding-left: 8.65pt">Municipal Securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_uNumber_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z2S5SdbJeYei" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0867">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zTjXWSwxC2Wc" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0868">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z9EiWmSM1UR3" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0869">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z6lrBQ6w54dh" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0870">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPosition_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_ztndPqrgYzLe" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0871">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zTFox6VM1bs4" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0872">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -8.65pt; padding-left: 8.65pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; text-indent: -8.65pt; padding-left: 8.65pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_uNumber_c20201231_zUhI3wgzQaz4" style="border-bottom: Black 2.5pt double; text-align: right">4</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_c20201231_zEbQcQXmm7D" style="border-bottom: Black 2.5pt double; text-align: right">29,839,740</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iNI_di_c20201231_zXjjZ0lobzgd" style="border-bottom: Black 2.5pt double; text-align: right">(160,260</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20201231_zxWtobdEZ8y4" style="border-bottom: Black 2.5pt double; text-align: right">4</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPosition_iI_c20201231_z9QFIdo7Jkx1" style="border-bottom: Black 2.5pt double; text-align: right">29,839,740</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iNI_di_c20201231_zAHlp3yXyY9f" style="border-bottom: Black 2.5pt double; text-align: right">(160,260</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> <p id="xdx_8A6_z50YBdtxADya" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_896_eus-gaap--ScheduleOfRealizedGainLossTableTextBlock_z6KIrkyi2Mmj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"><span id="xdx_8B0_zV6IYwpUFKI1">The table below shows the proceeds received from sales of securities available for sale and gross realized gains and losses.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_498_20210101__20211231_z89BLkRnSAx5" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_497_20200101__20201231_zU596XbTKvqj" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_493_20190101__20191231_z0yszAZjMLC1" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">For the Year Ended December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">2021</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">2020</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">2019</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr id="xdx_40A_eus-gaap--ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_zK5TM3cvNrk4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 61%; text-align: left">Gross proceeds</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">15,572,500</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">11,550,000</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">30,412,250</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DebtSecuritiesAvailableForSaleRealizedGain_znPnRer8jIfa" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Gross realized gains</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">266,944</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">10,002</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">114,888</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DebtSecuritiesAvailableForSaleRealizedLoss_iN_di_zveU9b4nlPCl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Gross realized losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0890">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0891">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(64,181</td><td style="text-align: left">)</td></tr> </table> <p id="xdx_8AD_zmFk0aqvQbn2" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">The tax provision related to these gains was $<span id="xdx_904_eus-gaap--OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax_pp0p0_c20210101__20211231_z9U1Gljxl0y8" title="Gains on sale of investments, tax">56,058</span>, $<span id="xdx_90E_eus-gaap--OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax_pp0p0_c20200101__20201231_zideXnfwd0tg">2,100</span> and $<span id="xdx_901_eus-gaap--OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax_pp0p0_c20190101__20191231_zwUjhIFGX5cg">10,648</span> for the years ended December 31, 2021, 2020 and 2019, respectively.</span></p> <p id="xdx_89B_eus-gaap--DebtSecuritiesAvailableForSaleTableTextBlock_zs5DNEu3Rdya" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B9_zYo0qExjI7p9">The amortized cost and fair value of investment securities available for sale are summarized as follows.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized<br/> Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross<br/> Unrealized<br/> Gains</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross<br/> Unrealized<br/> Losses</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Estimated<br/> Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 52%; text-align: left">U.S. Treasury Notes</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zxwhgDdfuZ64" style="width: 9%; text-align: right" title="Amortized Cost">101,269,851</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zicBbv5jg6zh" style="width: 9%; text-align: right" title="Gross Unrealized Gains">68,848</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zUO2AoEil832" style="width: 9%; text-align: right" title="Gross Unrealized Losses">(1,276,399</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z521rUZUiiVa" style="width: 9%; text-align: right" title="Estimated Fair Value">100,062,300</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Government-Sponsored Enterprises</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zE5XFL1w4pu7" style="text-align: right" title="Amortized Cost">76,355,720</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zSySTbQQ1VAg" style="text-align: right" title="Gross Unrealized Gains">275,123</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zdYcRzEK2Bba" style="text-align: right" title="Gross Unrealized Losses">(1,909,834</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zjcWOBHlBWz5" style="text-align: right">74,721,009</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Municipal Securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zJZqvytSC04e" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized Cost">37,421,880</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z7Tk0HvY0rf2" style="border-bottom: Black 1pt solid; text-align: right" title="Gross Unrealized Gains">335,912</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zaFzRSZ7RPSd" style="border-bottom: Black 1pt solid; text-align: right" title="Gross Unrealized Losses">(193,612</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zSt3TMxqpt5d" style="border-bottom: Black 1pt solid; text-align: right">37,564,180</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_c20211231_zCnNyzbjdnD2" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized Cost">215,047,451</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_c20211231_zWh22J0qk0Sj" style="border-bottom: Black 2.5pt double; text-align: right">679,883</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_di_c20211231_zMgnhcpIskpa" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Losses">(3,379,845</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_c20211231_zpUmCLp69Ube" style="border-bottom: Black 2.5pt double; text-align: right">212,347,489</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized<br/> Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross<br/> Unrealized<br/> Gains</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross<br/> Unrealized<br/> Losses</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Estimated<br/> Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 52%; text-align: left">U.S. Treasury Notes</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zSsDRZRYsIff" style="width: 9%; text-align: right" title="Amortized Cost">20,036,549</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zdSec6FRQDy8" style="width: 9%; text-align: right" title="Gross Unrealized Gains">374,001</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zjaJB3sSn773" style="width: 9%; text-align: right" title="Gross Unrealized Losses"><span style="-sec-ix-hidden: xdx2ixbrl0741">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zomZeXyjih2e" style="width: 9%; text-align: right">20,410,550</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Government-Sponsored Enterprises</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zOqBaweyWJo3" style="text-align: right" title="Amortized Cost">96,614,182</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_z9feCgBgVRei" style="text-align: right" title="Gross Unrealized Gains">1,398,884</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_z8G1B50sKRv9" style="text-align: right" title="Gross Unrealized Losses">(160,260</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zQBT9Ovgen8f" style="text-align: right">97,852,806</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Municipal Securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z2WQl3NXLEQe" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized Cost">16,055,332</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z9JankTlEOqh" style="border-bottom: Black 1pt solid; text-align: right" title="Gross Unrealized Gains">501,130</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z26qs4H9qri5" style="border-bottom: Black 1pt solid; text-align: right" title="Gross Unrealized Losses"><span style="-sec-ix-hidden: xdx2ixbrl0755">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z3S9ii0iI3pj" style="border-bottom: Black 1pt solid; text-align: right">16,556,462</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iI_c20201231_zjfwlbV1Ixw1" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized Cost">132,706,063</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_c20201231_zqeepBBM2SB1" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Gains">2,274,015</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iNI_di_c20201231_zMFo4OYPcOV9" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Losses">(160,260</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_c20201231_zPxM62Gm5jpe" style="border-bottom: Black 2.5pt double; text-align: right">134,819,818</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 101269851 68848 1276399 100062300 76355720 275123 1909834 74721009 37421880 335912 193612 37564180 215047451 679883 3379845 212347489 20036549 374001 20410550 96614182 1398884 160260 97852806 16055332 501130 16556462 132706063 2274015 160260 134819818 <p id="xdx_895_eus-gaap--InvestmentsClassifiedByContractualMaturityDateTableTextBlock_zvrQrTjgRKT3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B6_zYz5d5r4jxrj">The amortized cost and estimated fair value of investment securities available for sale at December 31, 2021 and 2020, by contractual maturity are in the following table.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized<br/> Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Estimated<br/> Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Amortized<br/> Cost</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Estimated<br/> Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 52%; text-align: left">Due in one year or less</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_iI_maAC_c20211231_z99lpnp4fN5c" style="width: 9%; text-align: right" title="Due in one year or less, amortized cost">12,756,176</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_iI_maFV_c20211231_zzxv2ccBdwoe" style="width: 9%; text-align: right" title="Due in one year or less, estimated fair value">12,859,086</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_iI_c20201231_zczxzchB4y6d" style="width: 9%; text-align: right" title="Due in one year or less, amortized cost">32,245,646</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_iI_c20201231_zwKN0tQNsuef" style="width: 9%; text-align: right">32,622,890</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Due in one year to five years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_iI_maAC_c20211231_zpzQqVmY9Mpi" style="text-align: right" title="Due in one year to five years, amortized cost">116,602,790</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_iI_maFV_c20211231_zqC9FrRt6DIa" style="text-align: right" title="Due in one year to five years, estimated fair value">115,896,465</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_iI_c20201231_zuTrm0UPLTfl" style="text-align: right" title="Due in one year to five years, amortized cost">40,022,194</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_iI_c20201231_zjxME2BTPu8j" style="text-align: right">41,258,370</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Due in five years to ten years</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_iI_maAC_c20211231_zty4QMowUJbh" style="text-align: right" title="Due in five years to ten years, amortized cost">76,531,464</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_iI_maFV_c20211231_zdIFtU0HkIYk" style="text-align: right" title="Due in five years to ten years, estimated fair value">74,575,862</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_iI_c20201231_z2UCrAFEc7ki" style="text-align: right" title="Due in one year to five years, amortized cost">50,438,223</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_iI_c20201231_zum53mrYXPjl" style="text-align: right">50,968,288</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Due in ten years and over</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_iI_maAC_c20211231_zQhvQepjzaz5" style="border-bottom: Black 1pt solid; text-align: right" title="Due in ten years and over, amortized cost">9,157,021</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_iI_maFV_c20211231_zlQbyLiIO5Qa" style="border-bottom: Black 1pt solid; text-align: right" title="Due in ten years and over, estimated fair value">9,016,076</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_iI_c20201231_z4Qj8j16iBTe" style="border-bottom: Black 1pt solid; text-align: right">10,000,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_iI_c20201231_zeooRg6R60pk" style="border-bottom: Black 1pt solid; text-align: right">9,970,270</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_mtAC_c20211231_zDzA3VklvY3c" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, amortized cost">215,047,451</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_mtFV_c20211231_zo26iwqyGAI2" style="border-bottom: Black 2.5pt double; text-align: right" title="Total, estimated fair value">212,347,489</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--AvailableForSaleDebtSecuritiesAmortizedCostBasis_iTI_c20201231_zDtRi2hqszS9" style="border-bottom: Black 2.5pt double; text-align: right">132,706,063</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iTI_c20201231_zf60c7Jqok68" style="border-bottom: Black 2.5pt double; text-align: right">134,819,818</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 12756176 12859086 32245646 32622890 116602790 115896465 40022194 41258370 76531464 74575862 50438223 50968288 9157021 9016076 10000000 9970270 215047451 212347489 132706063 134819818 33292124 42398616 <p id="xdx_89B_eus-gaap--ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_z18dA843evV8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B2_zX9BPy5peIo2">The tables below summarize gross unrealized losses on investment securities and the fair market value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2021 and 2020.</span> We believe that all unrealized losses have resulted from temporary changes in the interest rate market and not as a result of credit deterioration. We do not intend to sell and it is not likely that we will be required to sell any of the securities referenced in the table below before recovery of their amortized cost.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="34" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Less Than 12 Months</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">12 Months or Longer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">#</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair<br/> Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized<br/> Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">#</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair<br/> Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized<br/> Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">#</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair<br/> Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized<br/> Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 25%; text-align: left">U.S. Treasury Notes</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_uNumber_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zVphqf6UvbN4" style="width: 4%; text-align: right">15</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zWZDVs8pAw3c" style="width: 6%; text-align: right">94,994,915</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zFSuUr1xp4G7" style="width: 6%; text-align: right">(1,276,399</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_uNumber_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zNLLyJaxLCmb" style="width: 4%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0813">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z8625mszlkj9" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0814">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zjUYmtZ5eRVe" style="width: 6%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0815">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z21qKomlgtq2" style="width: 4%; text-align: right">15</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPosition_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zFGKxiIQVJPg" style="width: 6%; text-align: right">94,994,915</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zftiRvbbXzij" style="width: 6%; text-align: right">(1,276,399</td><td style="width: 1%; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Government-Sponsored Enterprises</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_uNumber_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zwJH8bDSdkH3" style="text-align: right">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zRasvn9KAcag" style="text-align: right">19,480,595</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_znFYpKAsg1r9" style="text-align: right">(519,405</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_uNumber_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zLW51nWAbcQ8" style="text-align: right">6</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zms2opAumGc3" style="text-align: right">39,909,134</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zbMU3fsSP4k5" style="text-align: right">(1,390,429</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zn7OSSAkKRpc" style="text-align: right">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPosition_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_znc1xq37rWib" style="text-align: right">59,389,729</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zgwErfLsKGDd" style="text-align: right">(1,909,834</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Municipal Securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_uNumber_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zAwBcvpQX36" style="border-bottom: Black 1pt solid; text-align: right">19</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zd66bZD487xh" style="border-bottom: Black 1pt solid; text-align: right">11,384,462</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zxw3jzRTg6If" style="border-bottom: Black 1pt solid; text-align: right">(193,612</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_uNumber_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zrsqCjER1ruc" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0831">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z5TMvWMuyLbk" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0832">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zxjrNtqcSzNg" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0833">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z8tUscuzdZD5" style="border-bottom: Black 1pt solid; text-align: right">19</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPosition_iI_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z1Oi0xCt9gTd" style="border-bottom: Black 1pt solid; text-align: right">11,384,462</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iNI_di_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z0prbr7LxYwk" style="border-bottom: Black 1pt solid; text-align: right">(193,612</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_uNumber_c20211231_zQb9YNqraTR7" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of positions, less than 12 months">37</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_c20211231_zNYPVljI2Ky8" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair Value, less than 12 months">125,859,972</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iNI_di_c20211231_zsQIJvRfWaZ2" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Losses, less than 12 months">(1,989,416</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions_iI_uNumber_c20211231_zn4hkoUPc1d" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of positions, 12 months or longer">6</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_iI_c20211231_zGWxI8p5yvq1" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair Value, 12 months or longer">39,909,134</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iNI_di_c20211231_zqdm2wunyOKg" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Losses, 12 months or longer">(1,390,429</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20211231_zSann57gR0Nd" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of positions">43</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPosition_iI_c20211231_zweaxJAKuAY2" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair value">165,769,106</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iNI_di_c20211231_zRUywmA0Z2Pe" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Losses">(3,379,845</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="34" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Less Than 12 Months</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">12 Months or Longer</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">#</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair<br/> Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized<br/> Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">#</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair<br/> Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized<br/> Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">#</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair<br/> Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Gross Unrealized<br/> Loss</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -8.65pt; padding-left: 8.65pt">U.S. Treasury Notes</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_uNumber_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zK5L6YK02BKd" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0855">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zVra3URv3pib" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0856">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zWO9Hwu2GH3i" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0857">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zU7HjAIGHYUf" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0858">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPosition_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zqvTbb63AJVa" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0859">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zuLUttsPFEv6" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0860">—</span></td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 25%; text-align: left; text-indent: -8.65pt; padding-left: 8.65pt">Government-Sponsored Enterprises</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_uNumber_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zMUW1X9oSW55" style="width: 4%; text-align: right">4</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zGBEIxT2KYn4" style="width: 6%; text-align: right">29,839,740</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_z31pFibttQl6" style="width: 6%; text-align: right">(160,260</td><td style="width: 1%; text-align: left">)</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 4%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 6%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 6%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_z2R1O2XIPFGl" style="width: 4%; text-align: right">4</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPosition_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zuRwQwA8bAj1" style="width: 6%; text-align: right">29,839,740</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zTO0Jaut2pab" style="width: 6%; text-align: right">(160,260</td><td style="width: 1%; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -8.65pt; padding-left: 8.65pt">Municipal Securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_uNumber_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z2S5SdbJeYei" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0867">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zTjXWSwxC2Wc" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0868">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z9EiWmSM1UR3" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0869">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z6lrBQ6w54dh" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0870">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPosition_iI_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_ztndPqrgYzLe" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0871">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iNI_di_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zTFox6VM1bs4" style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0872">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -8.65pt; padding-left: 8.65pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; text-indent: -8.65pt; padding-left: 8.65pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions_iI_uNumber_c20201231_zUhI3wgzQaz4" style="border-bottom: Black 2.5pt double; text-align: right">4</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_iI_c20201231_zEbQcQXmm7D" style="border-bottom: Black 2.5pt double; text-align: right">29,839,740</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iNI_di_c20201231_zXjjZ0lobzgd" style="border-bottom: Black 2.5pt double; text-align: right">(160,260</td><td style="padding-bottom: 2.5pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_iI_uNumber_c20201231_zxWtobdEZ8y4" style="border-bottom: Black 2.5pt double; text-align: right">4</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPosition_iI_c20201231_z9QFIdo7Jkx1" style="border-bottom: Black 2.5pt double; text-align: right">29,839,740</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iNI_di_c20201231_zAHlp3yXyY9f" style="border-bottom: Black 2.5pt double; text-align: right">(160,260</td><td style="padding-bottom: 2.5pt; text-align: left">)</td></tr> </table> 15 94994915 1276399 15 94994915 1276399 3 19480595 519405 6 39909134 1390429 9 59389729 1909834 19 11384462 193612 19 11384462 193612 37 125859972 1989416 6 39909134 1390429 43 165769106 3379845 4 29839740 160260 4 29839740 160260 4 29839740 160260 4 29839740 160260 <p id="xdx_896_eus-gaap--ScheduleOfRealizedGainLossTableTextBlock_z6KIrkyi2Mmj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"><span id="xdx_8B0_zV6IYwpUFKI1">The table below shows the proceeds received from sales of securities available for sale and gross realized gains and losses.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_498_20210101__20211231_z89BLkRnSAx5" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_497_20200101__20201231_zU596XbTKvqj" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_493_20190101__20191231_z0yszAZjMLC1" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">For the Year Ended December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">2021</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">2020</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">2019</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr id="xdx_40A_eus-gaap--ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_zK5TM3cvNrk4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 61%; text-align: left">Gross proceeds</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">15,572,500</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">11,550,000</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">30,412,250</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DebtSecuritiesAvailableForSaleRealizedGain_znPnRer8jIfa" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Gross realized gains</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">266,944</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">10,002</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">114,888</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DebtSecuritiesAvailableForSaleRealizedLoss_iN_di_zveU9b4nlPCl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Gross realized losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0890">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0891">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(64,181</td><td style="text-align: left">)</td></tr> </table> 15572500 11550000 30412250 266944 10002 114888 64181 56058 2100 10648 <p id="xdx_80E_eus-gaap--FinancingReceivablesTextBlock_zIvdugZUxEHa" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b>4.</b></span></td><td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b><span style="text-decoration: underline"><span id="xdx_828_zw0RHmepqFte">LOANS AND ALLOWANCE FOR LOAN LOSSES</span></span></b></span></td></tr></table> <p id="xdx_890_eus-gaap--ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_zzQR0vsgcFx9" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span><span id="xdx_8BD_zwiIQ0kxhg8e">Major classifications of loans</span> (net of deferred loan fees of $<span id="xdx_903_eus-gaap--LoansAndLeasesReceivableDeferredIncome_iI_c20211231_zNWKCGr5b9Th" title="Deferred loan fees">488,481</span> at December 31, 2021, and $<span id="xdx_906_eus-gaap--LoansAndLeasesReceivableDeferredIncome_iI_c20201231_zWsVx7scT5sg">676,155</span> at December 31, 2020) are shown in the table below.</span> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 70%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; padding-left: 0.125in; text-indent: -0.125in">Commercial</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zMw7VzVZujIg" style="width: 12%; text-align: right">45,804,434</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zsJXLB541wqg" style="width: 12%; text-align: right">51,041,397</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Construction</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_zssU4CFKU0gc" style="text-align: right">12,054,095</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_zz38mngbIRSf" style="text-align: right">14,813,726</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in">Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_z9gbwwqyYKw" style="text-align: right">165,719,078</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zeIbo3TZaW9d" style="text-align: right">146,187,886</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Consumer:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Real estate</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zIc9cacZyQP3" style="text-align: right">71,307,488</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zsNaiVX1EDCg" style="text-align: right">71,836,041</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zhaNUxE43O0a" style="text-align: right">3,768,531</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zVHpvtFWC9Bk" style="text-align: right">4,480,491</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Paycheck protection program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zX0wDVXNe9i4" style="border-bottom: Black 1pt solid; text-align: right">7,978,603</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zKyqiB875pOc" style="border-bottom: Black 1pt solid; text-align: right">32,443,132</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231_zHFmEYA9AFi9" style="text-align: right" title="Loans">306,632,229</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231_zpRBucJBf4ye" style="text-align: right">320,802,673</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Allowance for loan losses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableAllowance_iNI_di_c20211231_zcy7nbm9Shx9" style="border-bottom: Black 1pt solid; text-align: right" title="Allowance for loan losses">(4,376,987</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableAllowance_iNI_di_c20201231_zzWu21giUB7k" style="border-bottom: Black 1pt solid; text-align: right">(4,185,694</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Loans, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_iI_c20211231_z6ffxg15i6H4" style="border-bottom: Black 2.5pt double; text-align: right" title="Loans, net">302,255,242</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_iI_c20201231_zPTJiV6sQzai" style="border-bottom: Black 2.5pt double; text-align: right">316,616,979</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A9_zXnom6lAFHlf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We had $<span id="xdx_905_eus-gaap--LoansAndLeasesReceivableCollateralForSecuredBorrowings_iI_pn5n6_c20211231_zY0EstAd4PQk" title="Loans pledged as collateral to secure funding with the Federal Reserve Bank">94.7</span> million and $<span id="xdx_905_eus-gaap--LoansAndLeasesReceivableCollateralForSecuredBorrowings_iI_pn5n6_c20201231_zStcqGM5rEOa">76</span>.0 million of loans pledged as collateral to secure funding with the Federal Reserve Bank (“FRB”) Discount Window at December 31, 2021 and 2020, respectively.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) was signed into law, which established the Paycheck Protection Program (“PPP”) and allocated $<span id="xdx_905_ecustom--LoansToBeIssuedUnderCaresAct_iI_pn8n9_c20200327__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zMZ9R6I1QNA9">349</span>.0 billion of loans to be issued by financial institutions. Under the program, the Small Business Administration (“SBA”) will forgive loans, in whole or in part, made by approved lenders to eligible borrowers for payroll and other permitted purposes in accordance with the requirements of the program. These loans carry a fixed rate of <span id="xdx_903_eus-gaap--DebtInstrumentInterestRateStatedPercentage_iI_dp_uPure_c20200327__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zV4ZJIaKwXxg" title="Loans fixed rate">1.00</span>% and a term of <span id="xdx_90E_eus-gaap--DebtInstrumentTerm_dt_c20200326__20200327__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zwZ98Jqvb9ci" title="Loans term">two years</span>, if not forgiven, in whole or in part. The loans are <span id="xdx_90A_ecustom--GuaranteeOfLoanBySbaPercentage_dp_uPure_c20200326__20200327__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zhGmJtHy7FQl" title="Guarantee of loan by SBA (percent)">100</span>% guaranteed by the SBA and as long as the borrower submits its loan forgiveness application within ten months of completion of the covered period, the borrower is not required to make any payments until the forgiveness amount is remitted to the lender by the SBA. The Bank received a processing fee ranging from <span id="xdx_90E_ecustom--ProcessingFeeOfSbaLoansPercentage_dp_c20200326__20200327__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember__srt--RangeAxis__srt--MinimumMember_zGYcbCPgf33j">1</span>% to <span id="xdx_902_ecustom--ProcessingFeeOfSbaLoansPercentage_dp_c20200326__20200327__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember__srt--RangeAxis__srt--MaximumMember_zdRC3bZ1rIrd">5</span>% based on the size of the loan from the SBA. The fees are deferred and amortized over the life of the loans in accordance with ASC 310-20. The Bank received processing fees of $<span id="xdx_905_eus-gaap--ProceedsFromFeesReceived_pn5n6_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_za3oeb4MS17f" title="Processing fees received">2.4</span> million and recognized $<span id="xdx_90B_ecustom--FeeIncomeLoans_pn5n6_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zUsyw01THClf" title="Processing fees recognized">1.3</span> million and $<span id="xdx_905_ecustom--FeeIncomeLoans_pn5n6_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zwClyAH72bT" title="Processing fees recognized">0.6</span> million during the years ended December 31, 2021 and 2020, respectively. The Paycheck Protection Program and Health Care Enhancement Act (“PPP/ HCEA Act”) were signed into law on April 24, 2020. The PPP/HCEA Act authorized additional funding under the CARES Act of $<span id="xdx_90E_ecustom--AdditionalFundingOfLoansToBeIssuedUnderCaresAct_iI_pn8n9_c20200424__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zNDTP25BO07k">310</span>.0 billion for PPP loans to be issued by financial institutions through the SBA. The Bank provided $<span id="xdx_90A_ecustom--BankFunding_iI_pn5n6_uUSD_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zsEaNLs6SX7f" title="Bank funding amount">55.3</span> million in funding to <span id="xdx_906_ecustom--BankFundingNumberOfCustomers_iI_uNumber_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zLx1IuG7Cacd" title="Bank funding number of customers">480</span> customers through the PPP as of December 31, 2021. Because these loans are <span id="xdx_904_ecustom--GuaranteeOfLoanBySbaPercentage_dp_uPure_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zPBjJdxEVFZ4" title="Guarantee of loan by SBA (percent)">100</span>% guaranteed by the SBA and did not undergo the Bank’s typical underwriting process, they are not graded and do not have an associated reserve. </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our portfolio grading analysis estimates the capability of the borrower to repay the contractual obligations of the loan agreements as scheduled. Our internal credit risk grading system is based on experience with similarly graded loans, industry best practices, and regulatory guidance. Our portfolio is graded in its entirety, with the exception of the PPP loans.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Our internally assigned grades pursuant to the Board-approved lending policy are as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.75in"/><td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">●</span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Excellent </b>(1) The borrowing entity has more than adequate cash flow, unquestionable strength, strong earnings and capital, and where applicable, no overdrafts.</span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.75in"/><td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">●</span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Good </b>(2) The borrowing entity has dependable cash flow, better than average financial condition, good capital and usually no overdrafts.</span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.75in"/><td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">●</span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Satisfactory </b>(3) The borrowing entity has adequate cash flow, satisfactory financial condition, and explainable overdrafts (if any).</span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.75in"/><td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">●</span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Watch </b>(4) The borrowing entity has generally adequate, yet inconsistent cash flow, cyclical earnings, weak capital, loan to/from stockholders, and infrequent overdrafts. The borrower has consistent yet sometimes unpredictable sales and growth.</span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.75in"/><td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">●</span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>OAEM </b>(5) The borrowing entity has marginal cash flow, occasional past dues, and frequent and unexpected working capital needs.</span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.75in"/><td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">●</span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Substandard </b>(6) The borrowing entity has cash flow barely sufficient to service debt, deteriorated financial condition, and bankruptcy is a possibility. The borrowing entity has declining sales, rising costs, and may need to look for secondary source of repayment.</span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.75in"/><td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">●</span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Doubtful </b>(7) The borrowing entity has negative cash flow. Survival of the business is at risk, full repayment is unlikely, and there are frequent and unexplained overdrafts. The borrowing entity shows declining trends and no operating profits.</span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.75in"/><td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">●</span></td><td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Loss </b>(8) The borrowing entity has negative cash flow with no alternatives. Survival of the business is unlikely.</span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font: 10pt Times New Roman, Times, Serif"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89D_eus-gaap--FinancingReceivableCreditQualityIndicatorsTableTextBlock_zl5bIM2WWSEk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B2_zFAqdTTVH756">The following tables illustrate credit risks by category and internally assigned grades at December 31, 2021 and 2020.</span> “Pass” includes loans internally graded as excellent, good and satisfactory.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td colspan="29" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commerical <br/> Real Estate<br/> Construction</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> Real Estate <br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Paycheck<br/> Protection<br/> Program</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 12%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pass</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pp0p0_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_z7sBNPmSqWt3" style="width: 9%; text-align: right" title="Loans">43,853,889</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateConstructionFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_zOqyfQrrQJW1" style="width: 10%; text-align: right">11,616,118</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_z4r0zEdkpvoe" style="width: 10%; text-align: right">159,825,281</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_znL6JofTGnK7" style="width: 10%; text-align: right">69,920,347</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_zZwgeSWQNKOd" style="width: 9%; text-align: right">3,565,716</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_zcV3OFPSGsb5" style="width: 9%; text-align: right">7,978,603</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_zouhQkmMHDN5" style="width: 9%; text-align: right">296,759,954</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Watch</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zTlGSmekEtt3" style="text-align: right">450,319</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateConstructionFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_z9yDsDeOrQmh" style="text-align: right">437,977</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zFQFjxgJ2fNc" style="text-align: right">3,082,408</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zaFHgNcjg7A4" style="text-align: right">862,938</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zsPq5ohC9Kt8" style="text-align: right">133,418</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_z5Ind50a7Vka" style="text-align: right">4,967,060</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">OAEM</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zmpZXw9vyRFj" style="text-align: right">36,749</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zTgWZvDKLBN4" style="text-align: right">1,158,268</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zkOKAYwQSF3b" style="text-align: right">274,445</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zWCAbSK17Z8" style="text-align: right">29,244</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_z5VkvoYF9JO5" style="text-align: right">1,498,706</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Substandard</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zOKWZZggNzli" style="text-align: right">1,463,477</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zizidyy20LRd" style="text-align: right">1,653,121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zeWL0hAU8RM1" style="text-align: right">249,758</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zNt1mpHJoSbj" style="text-align: right">40,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zEjilwFA9YZd" style="text-align: right">3,406,509</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Doubtful</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loss</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zv9zwiVYDFpl" style="border-bottom: Black 2.5pt double; text-align: right">45,804,434</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateConstructionFinancingReceivableMember_zCJtbxPifLTf" style="border-bottom: Black 2.5pt double; text-align: right">12,054,095</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember_zrcCFUOnsm29" style="border-bottom: Black 2.5pt double; text-align: right">165,719,078</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zpqdolVyGrA3" style="border-bottom: Black 2.5pt double; text-align: right">71,307,488</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember_zPxhhmAzbPd3" style="border-bottom: Black 2.5pt double; text-align: right">3,768,531</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zCTWaqVsjwT2" style="border-bottom: Black 2.5pt double; text-align: right">7,978,603</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231_zqnAMoO4boK8" style="border-bottom: Black 2.5pt double; text-align: right">306,632,229</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td colspan="29" style="border-bottom: Black 1pt solid; text-align: center; vertical-align: bottom"><b>December 31, 2020</b></td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> Real Estate<br/> Construction</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> Real Estate <br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Paycheck<br/> Protection<br/> Program</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 12%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pass</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_zEwr5RxSYP8j" style="width: 9%; text-align: right">44,903,134</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateConstructionFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_zZu00xbVHsYl" style="width: 10%; text-align: right">14,349,065</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_zc8lodN7rXpe" style="width: 10%; text-align: right">125,111,378</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_z3dQhwFdzPnd" style="width: 10%; text-align: right">70,454,909</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_zvTdgdyY7mxc" style="width: 9%; text-align: right">4,171,858</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_z10N3F4kQhCa" style="width: 9%; text-align: right">32,443,132</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_ztok5xUbp0Lc" style="width: 9%; text-align: right">291,433,476</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Watch</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zdtcR6f7a7Qh" style="text-align: right">3,415,408</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateConstructionFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zunFWrzXHXgf" style="text-align: right">464,661</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zFKQAxyGTpgk" style="text-align: right">15,200,992</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_ztuXyfhvKIL6" style="text-align: right">467,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zz3oaeSjSlEh" style="text-align: right">219,954</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zR3eY7L37x49" style="text-align: right">19,768,178</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">OAEM</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zzV2RDKPH7I7" style="text-align: right">1,039,647</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zYwXUiZsKWte" style="text-align: right">1,784,296</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zIllc7t5vzOj" style="text-align: right">623,226</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zYtcNEOIAo37" style="text-align: right">46,783</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zYBnBjOgBCSd" style="text-align: right">3,493,952</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Substandard</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zhUe6DUakYb" style="text-align: right">1,683,208</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zzIUSxdfxD4" style="text-align: right">4,091,220</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zwSTbsj3c74b" style="text-align: right">290,743</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zk6wzoEoAMZi" style="text-align: right">41,896</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zU7Hrygbpds7" style="text-align: right">6,107,067</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Doubtful</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loss</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zdVOkbU8l3c5" style="border-bottom: Black 2.5pt double; text-align: right">51,041,397</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateConstructionFinancingReceivableMember_zFri1jH8H5fk" style="border-bottom: Black 2.5pt double; text-align: right">14,813,726</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember_zJolmt2PYKj6" style="border-bottom: Black 2.5pt double; text-align: right">146,187,886</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zFnUjS23m676" style="border-bottom: Black 2.5pt double; text-align: right">71,836,041</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember_zsTVX0oqc6Kh" style="border-bottom: Black 2.5pt double; text-align: right">4,480,491</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_z4NSxr5DRmqd" style="border-bottom: Black 2.5pt double; text-align: right">32,443,132</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231_z6YGcMJJykJg" style="border-bottom: Black 2.5pt double; text-align: right">320,802,673</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AA_zduS8ZeN8JSf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"> </p> <p id="xdx_89B_eus-gaap--PastDueFinancingReceivablesTableTextBlock_zL4Cn6WqE18f" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BD_znyBD9IJqlKi">The following tables include an aging analysis of the recorded investment in loans segregated by class.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold; text-align: center"> </td> <td style="padding-bottom: 1pt; font-weight: bold; text-align: center"> </td> <td colspan="26" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">30-59 Days<br/> Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">60-89 Days<br/> Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Greater than<br/> 90 Days Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total<br/> Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Current</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total Loans Receivable</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Recorded Investment ≥<br/> 90 Days and Accruing</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 30%; padding-left: 0.125in; text-indent: -0.125in">Commercial</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zFGKPkOvLHoe" style="width: 7%; text-align: right" title="Loans">88,659</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_z20NPdbEZA8l" style="width: 7%; text-align: right">88,659</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zdTaPh5CVBY1" style="width: 7%; text-align: right">45,715,775</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zDVTpN6mwlc5" style="width: 7%; text-align: right">45,804,434</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zPR1Gel3UCZ" style="text-align: right">12,054,095</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_zdUg0YaEJ0Gi" style="text-align: right">12,054,095</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zpQaTF2mt7U3" style="text-align: right">59,269</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_z3E24LoRv468" style="text-align: right">288,464</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z9cMVQbMsicg" style="text-align: right">337,490</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_ztAzuaBDUV6j" style="text-align: right">685,223</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zL1T1ovFacC5" style="text-align: right">165,033,855</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zP3efuAmIOzk" style="text-align: right">165,719,078</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zkRZJhocnyfi" style="text-align: right">71,307,488</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zdwMZbUkvpbi" style="text-align: right">71,307,488</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zkHVGoAPRo3e" style="text-align: right">23,971</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zsCWipVyWMh7" style="text-align: right">23,971</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zgozesGLyzb8" style="text-align: right">3,744,560</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zegBfkdtJVpg" style="text-align: right">3,768,531</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zRZMJaWf3002" style="border-bottom: Black 1pt solid; text-align: right">7,978,603</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zcBTgZPU9oVc" style="border-bottom: Black 1pt solid; text-align: right">7,978,603</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zFu71qtkSSee" style="border-bottom: Black 2.5pt double; text-align: right">171,899</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_z4DOIV7ImFVa" style="border-bottom: Black 2.5pt double; text-align: right">288,464</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zMbDqTpzL1j4" style="border-bottom: Black 2.5pt double; text-align: right">337,490</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_z676MGIDWV79" style="border-bottom: Black 2.5pt double; text-align: right">797,853</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zBrUtuNt52lj" style="border-bottom: Black 2.5pt double; text-align: right">305,834,376</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231_zktraOMN35G9" style="border-bottom: Black 2.5pt double; text-align: right">306,632,229</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="26" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">30-59 Days<br/> Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">60-89 Days<br/> Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Greater than 90 Days Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total<br/> Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Current</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total Loans Receivable</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Recorded Investment ≥<br/> 90 Days and Accruing</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 30%; text-indent: -0.125in; padding-left: 0.125in">Commercial</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zyTpUBi9vrr2" style="width: 7%; text-align: right">144,999</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zHFWSh8MLwdg" style="width: 7%; text-align: right">27,855</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_ztBGe2m7sJW6" style="width: 7%; text-align: right">172,854</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zyK2a7yRXa43" style="width: 7%; text-align: right">50,868,543</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zVVs227RDvV1" style="width: 7%; text-align: right">51,041,397</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zWzHANf46gGa" style="text-align: right">14,813,726</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_zj8RJuuFPt7d" style="text-align: right">14,813,726</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zfZVmDXrNW3d" style="text-align: right">61,597</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zaNyT5agXKvg" style="text-align: right">923,828</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zdzvMyyoS0r" style="text-align: right">985,425</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zYHaj9CM99Jk" style="text-align: right">145,202,461</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zPfa3liyCa1" style="text-align: right">146,187,886</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z8cYdwtGT8c8" style="text-align: right">40,893</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zN8Aw6xaQGB8" style="text-align: right">40,893</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_z4cH2FE8ZTT6" style="text-align: right">71,795,148</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zQ3TGVzGZ2Jj" style="text-align: right">71,836,041</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_z5nDoVS2BVZe" style="text-align: right">4,480,491</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zDIlhrxnKXQj" style="text-align: right">4,480,491</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zlt48PQkhdAe" style="border-bottom: Black 1pt solid; text-align: right">32,443,132</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zso5TbuPLZwf" style="border-bottom: Black 1pt solid; text-align: right">32,443,132</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.125in">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zQyRFL7oBGhd" style="border-bottom: Black 2.5pt double; text-align: right">206,596</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zvtWiCqj7EAa" style="border-bottom: Black 2.5pt double; text-align: right">27,855</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zh0YIjPGGDUf" style="border-bottom: Black 2.5pt double; text-align: right">964,721</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zWCp3Nv6JLA4" style="border-bottom: Black 2.5pt double; text-align: right">1,199,172</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zw0EjAnClyV1" style="border-bottom: Black 2.5pt double; text-align: right">319,603,501</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231_zymzgR3cAeck" style="border-bottom: Black 2.5pt double; text-align: right">320,802,673</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AE_zCyDWtUnL5Ag" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">There were no loans past due 90 days or more and still accruing interest at December 31, 2021 and 2020.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_890_eus-gaap--ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_ztOvEI45i4lc" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B9_zmpgteJZxCqb">The following table summarizes the balances of non-accrual loans.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 70%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>Loans Receivable on Non-Accrual </b></span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>December 31, 2021</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>December 31, 2020</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%">Commercial</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z6Wx0N6YTFkl" style="width: 12%; text-align: right">178,975</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zQEDt3XZDJN" style="width: 12%; text-align: right" title="Loans Receivable on Non-Accrual">178,975</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember_zmPg5OKSimmj" style="text-align: right">625,953</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember_zIsBcf9EiGZ4" style="text-align: right">923,828</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_pp0p0" style="text-align: right" title="Non-accrual loans receivable">40,893</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_pp0p0" style="text-align: right" title="Non-accrual loans receivable">9,686</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zjhpEWrOrUOa" style="text-align: right">12,234</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20211231_pp0p0" style="border-bottom: Black 2.5pt double; text-align: right" title="Non-accrual loans receivable">814,614</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20201231_pp0p0" style="border-bottom: Black 2.5pt double; text-align: right" title="Non-accrual loans receivable">1,155,930</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A0_zvYGoA0Lm42a" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"> </p> <p id="xdx_893_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_zjQ7a5PM3FMl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B4_zRMO09AYS9jc">The following tables set forth the changes in the allowance and an allocation of the allowance by class at December 31, 2021, 2020, and 2019.</span> The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-impaired loans and is based on historical loss experience adjusted for current economic factors.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_497_20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zeBlFISM64Kd" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_490_20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_z7rp2b2xLNO1" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_496_20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zbfc713jB7r3" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zJYJRXciMqif" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_498_20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zuPzIET3g9f" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_498_20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zzR3UJwRcVk3" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_495_20210101__20211231_zrALu9JBq28d" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="26" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial<br/> Real Estate Construction</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial<br/> Real Estate<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer<br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Paycheck Protection Program</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_408_eus-gaap--FinancingReceivableAllowanceForCreditLossesRollForward_iB_z5hu7liCeGa8" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Allowance for Loan Losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinancingReceivableAllowanceForCreditLosses_i01S_zoDZLTbGtOOf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 30%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Beginning Balance</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">1,029,310</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">199,266</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">1,909,121</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">925,077</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">122,920</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1108">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">4,185,694</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--FinancingReceivableAllowanceForCreditLossesWriteOffs_i01N_di_zXOW8bB1TJAh" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1111">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1112">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1113">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1114">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(11,440</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(9,550</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(20,990</td><td style="text-align: left">)</td></tr> <tr id="xdx_40E_eus-gaap--FinancingReceivableAllowanceForCreditLossesRecovery_i01_zwtiKaIY8RQe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Recoveries</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,329</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1120">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1121">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">47,711</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,367</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">876</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">92,283</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--ProvisionForLoanAndLeaseLosses_i01_zD1F7o2khZr3" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Provisions</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(254,950</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(23,773</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">467,185</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(48,004</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(29,132</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8,674</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">120,000</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinancingReceivableAllowanceForCreditLosses_i01E_zxw5iHfWvZ5l" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Ending Balance</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">795,689</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">175,493</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,376,306</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">924,784</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">104,715</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1140">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,376,987</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zpKApdPh7Rge" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_zl464PdvQQE1" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_491_20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zepkc6cjhf1" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49D_20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zAQsnMo5pOYc" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_498_20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zQYb9gCBw3m6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_494_20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zkqXei24aV3j" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49B_20200101__20201231_zeiH5hcFZO0j" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="26" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial<br/> Real Estate Construction</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial<br/> Real Estate<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer<br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Paycheck Protection Program</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_408_eus-gaap--FinancingReceivableAllowanceForCreditLossesRollForward_iB_za1WGBlj7XCl" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; text-indent: -9pt; padding-left: 9pt">Allowance for Loan Losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_zStwDpes41o7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 30%; text-align: left; text-indent: -9pt; padding-left: 9pt">Beginning Balance</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">1,429,917</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">109,235</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">1,270,445</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">496,221</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">697,940</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1156">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">4,003,758</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--FinancingReceivableAllowanceForCreditLossesWriteOffs_i01N_di_zwwWddGZQ1l" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -9pt; padding-left: 9pt">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(171,646</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1160">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1161">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1162">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(116,001</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,650</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(290,297</td><td style="text-align: left">)</td></tr> <tr id="xdx_40E_eus-gaap--FinancingReceivableAllowanceForCreditLossesRecovery_i01_zv61TESZp5oa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -9pt; padding-left: 9pt">Recoveries</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">88,811</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1168">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">99,801</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1170">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">43,599</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">232,233</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--ProvisionForLoanAndLeaseLosses_i01_zo1fzMiAMDI3" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: -9pt; padding-left: 9pt">Provisions</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(317,772</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">90,031</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">538,875</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">428,856</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(502,618</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,628</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">240,000</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinancingReceivableAllowanceForCreditLosses_i01E_z61VE2clBi82" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; text-indent: -9pt; padding-left: 9pt">Ending Balance</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,029,310</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">199,266</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,909,121</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">925,077</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">122,920</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1188">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,185,694</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zDoWl6KM0eK" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_493_20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_zNn19oIpAJm" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_495_20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zsvmZvN5eMj2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zWQud3mBMROa" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zDildFFEUqD4" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zDFej8veIX91" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20190101__20191231_z6TO340rvRqf" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="26" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Commercial</b></span> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Real Estate</b><br/> <b>Construction</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p></td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial<br/> Real Estate <br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer <br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Paycheck Protection<br/> Program</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_408_eus-gaap--FinancingReceivableAllowanceForCreditLossesRollForward_iB_zDUVktXDCGt6" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; text-indent: -8.65pt; padding-left: 8.65pt">Allowance for Loan Losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--FinancingReceivableAllowanceForCreditLosses_i01S_zQCENS1oRpia" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 30%; text-align: left; text-indent: -8.65pt; padding-left: 8.65pt">Beginning Balance</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">1,665,413</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">63,876</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">1,292,346</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">386,585</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">806,111</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1207">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">4,214,331</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--FinancingReceivableAllowanceForCreditLossesWriteOffs_i01N_di_zMEd4q4Sid6e" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -8.65pt; padding-left: 8.65pt">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(398,685</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1211">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1212">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1213">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(8,342</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1215">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(407,027</td><td style="text-align: left">)</td></tr> <tr id="xdx_40E_eus-gaap--FinancingReceivableAllowanceForCreditLossesRecovery_i01_zCWL8n7gKojl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -8.65pt; padding-left: 8.65pt">Recoveries</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">12,200</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1219">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1220">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1221">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,254</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1223">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,454</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--ProvisionForLoanAndLeaseLosses_i01_z2fcfBRnh8K2" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: -8.65pt; padding-left: 8.65pt">Provisions</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">150,989</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">45,359</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(21,901</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">109,636</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(104,083</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1231">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">180,000</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinancingReceivableAllowanceForCreditLosses_i01E_zqS84EWZ34C1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; text-indent: -8.65pt; padding-left: 8.65pt">Ending Balance</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,429,917</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">109,235</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,270,445</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">496,221</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">697,940</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1239">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,003,758</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AA_zNvgGDOxuM0f" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89A_ecustom--ScheduleOfAllocationOfAllowanceForLoanLossesAndGrossInvestmentInLoansTableTextblock_z3svbukrPnK3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B7_zxlvMptSjgO9">The following tables present, by class and reserving methodology, the allocation of the allowance for loan losses and the gross investment in loans.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_492_20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zdtSwmuEaOsh" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_zgbgsE5RzPO6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zv4F8SWMtpDk" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_496_20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zdMiICBq99E2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_499_20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_z594DAvkZMVj" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_497_20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zn7iFSEuccP4" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_493_20211231_z7GOcrs0YsBb" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="26" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Commercial</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Commercial<br/> Real Estate Construction</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Commercial<br/> Real Estate<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Consumer<br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Consumer<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Paycheck Protection Program</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Total</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr id="xdx_40C_eus-gaap--FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract_iB_z69ZEPF6ta0g" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Allowance for Loan Losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_i01I_maFRAFCzBxN_zbpXEAHreJ3g" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 30%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Individually evaluated for impairment</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">179,988</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1256">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1257">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1258">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">40,153</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1260">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">220,141</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_i01I_maFRAFCzBxN_z7UkSSttHXuj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Collectively evaluated for impairment</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">615,701</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">175,493</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,376,306</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">924,784</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">64,562</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1268">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,156,846</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--FinancingReceivableAllowanceForCreditLosses_i01TI_mtFRAFCzBxN_z8rBxuse5xDe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Total Allowance for Loan Losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">795,689</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">175,493</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,376,306</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">924,784</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">104,715</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1276">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,376,987</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--LoansReceivablesAbstract_iB_zZbgiD7T3I05" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Loans Receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_i01I_maLALRNzTxT_zQZROD28qCNg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Individually evaluated for impairment</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,463,477</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1288">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,653,121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">249,758</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">40,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1292">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,406,509</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--FinancingReceivableCollectivelyEvaluatedForImpairment_i01I_maLALRNzTxT_zlPwFDLcBsB9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Collectively evaluated for impairment</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">44,340,957</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">12,054,095</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">164,065,957</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">71,057,730</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,728,378</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">7,978,603</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">303,225,720</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_i01TI_mtLALRNzTxT_zpu8mPV2B5I" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Total Loans Receivable</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">45,804,434</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">12,054,095</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">165,719,078</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">71,307,488</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,768,531</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,978,603</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">306,632,229</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49B_20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zzC1cDBXbGfi" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_499_20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_zDK32l2LMkN5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_491_20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_ztnPs4wjZpWd" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zTa0Y5w32cS4" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49B_20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_z6POPKzYf5qf" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_492_20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zQivgGSq3iah" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_491_20201231_za9hbalELAIj" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="26" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial<br/> Real Estate Construction</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial<br/> Real Estate<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer<br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Paycheck Protection Program</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40C_eus-gaap--FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract_iB_zzCvRfT5w6fg" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; text-indent: -9pt; padding-left: 9pt">Allowance for Loan Losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_i01I_z43lHRbdNgdb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 30%; text-align: left; text-indent: -9pt; padding-left: 9pt">Individually evaluated for impairment</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">357,657</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1320">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">36,747</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">9,111</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">41,896</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1324">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">445,411</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_i01I_zu63OC8t5LJa" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -9pt; padding-left: 9pt">Collectively evaluated for impairment</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">671,653</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">199,266</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,872,374</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">915,966</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">81,024</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1332">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,740,283</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--FinancingReceivableAllowanceForCreditLosses_i01TI_zhuAABK3ZJZi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; text-indent: -9pt; padding-left: 9pt">Total Allowance for Loan Losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,029,310</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">199,266</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,909,121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">925,077</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">122,920</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1340">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,185,694</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--LoansReceivablesAbstract_iB_zgjPXpbLLXq7" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; text-indent: -9pt; padding-left: 9pt">Loans Receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_i01I_z0YhxNbgO80i" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -9pt; padding-left: 9pt">Individually evaluated for impairment</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,298,120</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1352">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,174,841</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">290,743</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">41,896</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1356">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,805,600</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--FinancingReceivableCollectivelyEvaluatedForImpairment_i01I_z86XHCBZLWyh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -9pt; padding-left: 9pt">Collectively evaluated for impairment</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">48,743,277</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14,813,726</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">141,013,045</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">71,545,298</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,438,595</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">32,443,132</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">312,997,073</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_i01TI_zydG2DHNGuOj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: -9pt; padding-left: 9pt">Total Loans Receivable</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">51,041,397</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">14,813,726</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">146,187,886</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">71,836,041</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,480,491</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">32,443,132</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">320,802,673</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A1_zrjyGKLGMVGl" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_895_eus-gaap--ImpairedFinancingReceivablesTableTextBlock_zoY32Es9INL2" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B4_zzhDbv3nVx7c">As of December 31, 2021 and 2020, loans individually evaluated for impairment and the corresponding allowance for loan losses are presented in the following table.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td colspan="22" style="font-weight: bold; text-align: center">Impaired and Restructured Loans As of</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-align: center; vertical-align: bottom; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>Unpaid <br/> Principal <br/> Balance</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>Recorded Investment</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>Related <br/> Allowance</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>Unpaid <br/> Principal <br/> Balance</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>Recorded Investment</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>Related<br/> Allowance</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td id="xdx_983_ecustom--ImpairedFinancingReceivableithWithNoRelatedAllowanceRecordedAbstract_iB_c20210101__20210630_zz8wcT2MCIK1" style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">With no related allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; padding-left: 0.125in; text-indent: -0.125in">Commercial</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z7B5II2qO4h" style="width: 7%; text-align: right" title="Unpaid Principal Balance with no related allowance recorded">1,096,407</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zflogQmHDS57" style="width: 7%; text-align: right" title="Recorded Investment with no related allowance recorded">1,096,407</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zmoaSKIJTFSi" style="width: 7%; text-align: right" title="Unpaid Principal Balance with no related allowance recorded">1,721,818</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zyUeXrjRmQl6" style="width: 7%; text-align: right" title="Recorded Investment with no related allowance recorded">1,721,818</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_z6gNewn5sSg" style="text-align: right">1,653,121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zle7o4jKDex3" style="text-align: right">1,653,121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zhfA5ylOJ5T5" style="text-align: right">4,831,757</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_z793xn18q7sh" style="text-align: right">4,831,757</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zK0ONXaNtP6c" style="text-align: right">249,758</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zm57hIuKCJBl" style="text-align: right">249,758</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zJgWMiy9uOmf" style="text-align: right">249,850</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zdXsPFjUWKIj" style="text-align: right">249,850</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Total</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_iI_maUPD_c20211231_z0HPATXUhZob" style="border-bottom: Black 1pt solid; text-align: right">2,999,286</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_maRecInv_c20211231_zan91vYWL5a" style="border-bottom: Black 1pt solid; text-align: right">2,999,286</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231_zJy5IVB9Lw45" style="border-bottom: Black 1pt solid; text-align: right">6,803,425</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_c20201231_zQYKUs7iGLkl" style="border-bottom: Black 1pt solid; text-align: right">6,803,425</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td id="xdx_983_ecustom--ImpairedFinancingReceivableithWithRelatedAllowanceRecordedAbstract_iB_c20210101__20210630_zjfE3qx8z3R2" style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zf4mGnndoaz" style="text-align: right" title="Unpaid Principal Balance with an allowance recorded">367,070</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z4J4JjDv4WB8" style="text-align: right" title="Recorded Investment with an allowance recorded">367,070</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zehQPLshQNk1" style="text-align: right" title="Related Allowance">179,988</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zJbi0YgnoDQh" style="text-align: right" title="Unpaid Principal Balance with an allowance recorded">576,302</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zyxAwccIXv98" style="text-align: right">576,302</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z61kf8xlNmw1" style="text-align: right" title="Related Allowance">357,657</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zrSVipuP44gj" style="text-align: right">343,084</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zg10FYtBiYdf" style="text-align: right">343,084</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zY1eRBupe5ej" style="text-align: right">36,747</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zw5qouJ98ETh" style="text-align: right">40,893</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zA6Za9loru05" style="text-align: right">40,893</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zqRoMJ8nSVS9" style="text-align: right">9,111</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zhbOIrEczDT5" style="text-align: right">40,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zA0BNtwo31S" style="text-align: right">40,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zz8bPRfVtvG6" style="text-align: right">40,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zRN2ikAOVncf" style="text-align: right">41,896</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_z3yWj1jpaHw1" style="text-align: right">41,896</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zVp8DlAXqLOk" style="text-align: right">41,896</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Total</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_iI_maUPD_c20211231_ze1Vpc9EAa48" style="border-bottom: Black 1pt solid; text-align: right">407,223</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_maRecInv_c20211231_zvBrJHoE7V9f" style="border-bottom: Black 1pt solid; text-align: right">407,223</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_c20211231_zwIrY1QzDfOc" style="border-bottom: Black 1pt solid; text-align: right">220,141</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231_z8TRm073vCy9" style="border-bottom: Black 1pt solid; text-align: right">1,002,175</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_c20201231_zyEfBLdSRHM2" style="border-bottom: Black 1pt solid; text-align: right">1,002,175</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_c20201231_zirQg1PL6KG2" style="border-bottom: Black 1pt solid; text-align: right">445,411</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td id="xdx_985_ecustom--ImpairedFinancingReceivableithWithOrWithNoRelatedAllowanceRecordedAbstract_iB_c20210101__20211231_zmZauPqPd1y2" style="font-weight: bold; padding-left: 0.125in; text-indent: -0.125in">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z1meXkqLPtdh" style="text-align: right">1,463,477</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zAXXJTcPntMj" style="text-align: right">1,463,477</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--ImpairedFinancingReceivableRelatedAllowanceOne_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z6u0srSy3vJ8" style="text-align: right">179,988</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zZe3e3Y6VcT5" style="text-align: right">2,298,120</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zzwfernl8fdl" style="text-align: right">2,298,120</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ImpairedFinancingReceivableRelatedAllowanceOne_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zp6sL7MOzzD1" style="text-align: right">357,657</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zv0UX85rz8Aa" style="text-align: right">1,653,121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zLeuNzBwtoe5" style="text-align: right">1,653,121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_ztG536e8ps5e" style="text-align: right">5,174,841</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zBKWzLyVRWde" style="text-align: right">5,174,841</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ImpairedFinancingReceivableRelatedAllowanceOne_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_z7uGNNjgGaU9" style="text-align: right">36,747</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zbME8rRAbiKf" style="text-align: right">249,758</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zAUsM0a9GkR2" style="text-align: right">249,758</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zdMKHnPsOend" style="text-align: right">290,743</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zFcXweBH4nEa" style="text-align: right">290,743</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ImpairedFinancingReceivableRelatedAllowanceOne_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zYcncD10pQe1" style="text-align: right">9,111</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zRHeWa7zmOFi" style="text-align: right">40,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zetaunK1HgD1" style="text-align: right">40,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--ImpairedFinancingReceivableRelatedAllowanceOne_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zBz9EwLLjYNc" style="text-align: right">40,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_z6q57GbW9Cjf" style="text-align: right">41,896</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zdAb3XqzMu3d" style="text-align: right">41,896</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--ImpairedFinancingReceivableRelatedAllowanceOne_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zSDFdtM5o66c" style="text-align: right">41,896</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_mtUPD_c20211231_zQ1MXFMtd7M" style="border-bottom: Black 2.5pt double; text-align: right">3,406,509</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_mtRecInv_c20211231_z1dQkYFP5Q64" style="border-bottom: Black 2.5pt double; text-align: right">3,406,509</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_ecustom--ImpairedFinancingReceivableRelatedAllowanceOne_iI_c20211231_zOnDP0YqU7Z2" style="border-bottom: Black 2.5pt double; text-align: right">220,141</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20201231_zFGd4DWx9Z8g" style="border-bottom: Black 2.5pt double; text-align: right">7,805,600</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20201231_zz8oYazR3hIh" style="border-bottom: Black 2.5pt double; text-align: right">7,805,600</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_ecustom--ImpairedFinancingReceivableRelatedAllowanceOne_iI_c20201231_zGVCSDzvpDsh" style="border-bottom: Black 2.5pt double; text-align: right">445,411</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A8_zxp2OZrAWUij" style="margin-top: 0; margin-bottom: 0"> </p> <p id="xdx_89C_ecustom--ScheduleOfAverageImpairedLoansAndInterestIncomeRecognizedOnImpairedLoansTableTextblock_z44e46WOP216" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B6_ztbmcI0OsPZg">The following table presents average impaired loans and interest income recognized on those impaired loans, by class segment, for the periods indicated.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td colspan="22" style="font-weight: bold; text-align: center">For the year ended December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Average <br/> Recorded Investment</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Interest <br/> Income Recognized</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Average <br/> Recorded Investment</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Interest<br/> Income Recognized</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Average<br/> Recorded Investment</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Interest<br/> Income Recognized</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr id="xdx_400_ecustom--ImpairedFinancingReceivableithWithNoRelatedAllowanceRecordedAbstract_iB_zYOjxOocLCmc" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">With no related allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; padding-left: 0.125in; text-indent: -0.125in">Commercial</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zOOW3Psn95a2" style="width: 7%; text-align: right">1,142,667</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zXpb2LVc08Ji" style="width: 7%; text-align: right">68,602</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zymtQ8hnr9p" style="width: 7%; text-align: right">1,866,590</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zYFaE2rZwzo8" style="width: 7%; text-align: right">102,636</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z94CMb7l1Qr6" style="width: 7%; text-align: right">1,483,982</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zgbcGBiqMZN7" style="width: 7%; text-align: right">94,779</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zVMxlsak4QGc" style="text-align: right">1,645,375</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zrSk7m77UVm7" style="text-align: right">68,031</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_z6yND2yFH0j5" style="text-align: right">4,849,474</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zXVC0BRwfAAl" style="text-align: right">218,372</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zPX19GssThek" style="text-align: right">1,533,720</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zDZl5feOijF4" style="text-align: right">76,183</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zUjjXxDBRabh" style="text-align: right">249,777</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zjHlutoQocfj" style="text-align: right">10,615</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zrwtcMDvL5F1" style="text-align: right">249,813</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zDmYc95qv7F1" style="text-align: right">11,580</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zyE4Va8JpND" style="text-align: right">879,753</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zyuQKlpEKf4c" style="text-align: right">30,400</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_maARI_c20210101__20211231_z2Y2mhrwQ8Xa" style="text-align: right" title="Average Recorded Investment with no related allowance recorded">3,037,819</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_maIIR_c20210101__20211231_z195fEOWrMLa" style="text-align: right" title="Interest Income Recognized with no related allowance recorded">147,248</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20200101__20201231_zV5a0xVPXGd2" style="text-align: right">6,965,877</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20200101__20201231_zJAXCL6z4x1f" style="text-align: right">332,588</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20190101__20191231_zbd9uKF1F1Q6" style="text-align: right">3,897,455</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20190101__20191231_zx5CQ2IAV3K2" style="text-align: right">201,362</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--ImpairedFinancingReceivableithWithRelatedAllowanceRecordedAbstract_iB_zDVUUazqUA2c" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zak10A4kA0P3" style="text-align: right">378,499</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z9OP3bWbCBzb" style="text-align: right">22,130</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zfYjJ56Vqatd" style="text-align: right">578,399</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zXh1atM13G0g" style="text-align: right">37,663</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zwsAPtQCYKWj" style="text-align: right">725,353</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zHM43xHZ5Ifh" style="text-align: right">44,299</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zNuxDOQHeXBc" style="text-align: right">337,304</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_z857Ruq1w3u7" style="text-align: right">246,884</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_z8JEIJU1Yy1c" style="text-align: right">36,483</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeNetAccrualMethod_maIIR_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_z3oMzNQU71Oi" style="text-align: right" title="Interest Income Recognized with an allowance recorded">(116</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zKKI6OEHMDij" style="text-align: right">41,133</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zREHaUYVQ2sk" style="text-align: right">2,674</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zKPpPWNne7k1" style="text-align: right">42,089</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zMP367xWH2jb" style="text-align: right">2,743</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zQgoztsXWQ45" style="text-align: right">59,240</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zmLJGNylUzk3" style="text-align: right">3,487</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_maARI_c20210101__20211231_zbqB5ZSOzCy7" style="text-align: right" title="Average Recorded Investment with an allowance recorded">419,632</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_maIIR_c20210101__20211231_zY5lLelshZIa" style="text-align: right" title="Interest Income Recognized with an allowance recorded">24,804</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20200101__20201231_z8IdmFbl6sb6" style="text-align: right">994,275</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_c20200101__20201231_zxNQZcvdzky7" style="text-align: right">40,290</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20190101__20191231_z37g9Ryvu6K7" style="text-align: right">1,031,477</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_c20190101__20191231_zL4ZcvMpt2nh" style="text-align: right">47,786</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_ecustom--ImpairedFinancingReceivableithWithOrWithNoRelatedAllowanceRecordedAbstract_iB_zn0DYa5HDJrk" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-left: 0.125in; text-indent: -0.125in">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zE7tJ5At0Nm7" style="text-align: right">1,521,166</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z07gvqPZ1b78" style="text-align: right">90,732</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zc9qhyYYxNuh" style="text-align: right">2,444,989</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zvGM5M0cULfl" style="text-align: right">140,299</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zjFIGUKbKGzf" style="text-align: right">2,209,335</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zkvRa8vnChVb" style="text-align: right">139,078</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zC5FsgoEbFQ3" style="text-align: right">1,645,375</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zwKAj2uu6fqb" style="text-align: right">68,031</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zxtGHRVEDT2" style="text-align: right">5,186,778</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_z7GtnLWnYy9f" style="text-align: right">218,372</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zMggfr2uMR1" style="text-align: right">1,780,604</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_z30kV3SWPXo" style="text-align: right">76,183</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zjFWgH25U3z5" style="text-align: right">249,777</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zLnddCacpuQd" style="text-align: right">10,615</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zHSF5Nn0d00d" style="text-align: right">286,296</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zAHyhI807tK6" style="text-align: right">11,464</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zyYUUcQQfqs7" style="text-align: right">879,753</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zAMlYT6K4P6l" style="text-align: right">30,400</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zjBQhyg0z2df" style="text-align: right">41,133</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_z01vQc2G6BP7" style="text-align: right">2,674</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zr1kprNWZAT4" style="text-align: right">42,089</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zFgkcYlfIKhh" style="text-align: right">2,743</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zWZJ6VDluBal" style="text-align: right">59,240</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zmQPOukd6HSd" style="text-align: right">3,487</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_mtARI_c20210101__20211231_zPjnsh91CrJ5" style="border-bottom: Black 2.5pt double; text-align: right" title="Average Recorded Investment">3,457,451</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_mtIIR_c20210101__20211231_zncVmGboH4Gb" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest Income Recognized">172,052</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20200101__20201231_zseGjE47XeQ8" style="border-bottom: Black 2.5pt double; text-align: right">7,960,152</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20200101__20201231_z43YIOQYl4Xg" style="border-bottom: Black 2.5pt double; text-align: right">372,878</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20190101__20191231_zxV2uPfNrBP7" style="border-bottom: Black 2.5pt double; text-align: right">4,928,932</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20190101__20191231_ziK3H14TQHS6" style="border-bottom: Black 2.5pt double; text-align: right">249,148</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A4_zphN06AImJfk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">In general, the modification or restructuring of a debt is considered a troubled debt restructuring (“TDR”) if we, for economic or legal reasons related to a borrower’s financial difficulties, grant a concession to the borrower that we would not otherwise consider. As of December 31, 2021, there were <span id="xdx_902_ecustom--RestructuredLoansNumber_iI_c20211231_zL2fnmMd0UG7">5</span> TDRs with a balance of $<span id="xdx_90F_eus-gaap--FinancingReceivableModificationsRecordedInvestment_iI_pn5n6_c20211231_z9suWAtKhtMb" title="Restructured loans amount">1</span>.0 million. As of December 31, 2020, there were <span id="xdx_90A_ecustom--RestructuredLoansNumber_iI_c20201231_zMMadDgk6qy8">14</span> TDRs with a balance of $<span id="xdx_90F_eus-gaap--FinancingReceivableModificationsRecordedInvestment_iI_pn5n6_c20201231_zEdDqw9fslSb">5.8</span> million. These TDRs were granted extended payment terms with no principal reduction. The structure of <span id="xdx_900_ecustom--RestructuredLoansNumber_iI_dc_uNumber_c20211231__us-gaap--LoanRestructuringModificationAxis__custom--InterestOnlyLoansMember_zqs3L7ByKUJg">two</span> of the loans changed to interest only. All TDRs were performing as agreed as of December 31, 2021. During the year ended December 31, 2019, <span id="xdx_902_eus-gaap--FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_dc_c20190101__20191231_zuzNKJBSfvWk" title="Number of loans charged off">one</span> TDR in the amount of $<span id="xdx_906_eus-gaap--AllowanceForLoanAndLeaseLossesWriteOffs_pdp0_c20190101__20191231_zwUzcbJZOtpe" title="Loan charged off">2,008</span> was charged off and the Company recovered $<span id="xdx_902_eus-gaap--AllowanceForLoanAndLeaseLossRecoveryOfBadDebts_pp0p0_c20190101__20191231_zqv2ucxaEnKk" title="Recovery of loan">439</span>. No other TDRs that were modified within the previous twelve months defaulted during the following year for the years ended December 31, 2021, 2020, and 2019.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory agencies, as set forth in the Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus (initially issued on March 22, 2020 and revised on April 7, 2020), have encouraged financial institutions to work prudently with borrowers who are or may be unable to meet their contractual payment obligations because of the effects of COVID-19. In this statement, the regulatory agencies expressed their view of loan modification programs as positive actions that may mitigate adverse effects on borrowers due to COVID-19 and that the agencies will not criticize institutions for working with borrowers in a safe and sound manner. Moreover, the revised statement provides that eligible loan modifications related to COVID-19 may be accounted for under section 4013 of the CARES Act or in accordance with ASC 310-40. Under Section 4013 of the CARES Act, banks may elect not to categorize loan modifications as TDRs if the modifications are related to COVID-19, executed on a loan that was not more than 30 days past due as of December 31, 2019, and executed between March 1, 2020 and the earlier of December 31, 2020 or 60 days after the date of termination of the National Emergency. All short-term loan modifications made on a good faith basis in response to COVID-19 to borrowers who were current prior to any relief are not considered TDRs. Beginning in March 2020, the Bank provided payment accommodations to customers, consisting of 60-day principal deferral to borrowers negatively impacted by COVID-19. During 2020, the Bank processed approximately $<span id="xdx_905_ecustom--PrincipalDeferments_pn5n6_c20200101__20201231__us-gaap--LoanRestructuringModificationNameAxis__custom--CARESActMember_zjpcrgZK2CT6">0.7</span> million in principal deferments to <span id="xdx_901_ecustom--PrincipalDefermentsNumberOfCustomers_pip0_c20200101__20201231__us-gaap--LoanRestructuringModificationNameAxis__custom--CARESActMember_z5Myiggpd7Ti">84</span> customers, with an aggregate loan balance of $<span id="xdx_907_ecustom--LoanBalanceOfPrincipalDeferredLoans_pn5n6_c20200101__20201231__us-gaap--LoanRestructuringModificationNameAxis__custom--CARESActMember_zvXi6u113fsc">25.9 </span>million. The Bank did not process any principal deferments during the year ended December 31, 2021. The principal deferments represented <span id="xdx_90B_ecustom--PrincipalDefermentsPercentageOfPortfolio_pip0_dp_c20200101__20201231__us-gaap--LoanRestructuringModificationNameAxis__custom--CARESActMember_zfOBtOJJIKf1">0.24</span>% of our total loan portfolio as of December 31, 2020. The Bank has examined the payment accommodations granted to borrowers in response to COVID-19 and classified <span id="xdx_902_eus-gaap--FinancingReceivableModificationsNumberOfContracts2_uNumber_c20210101__20211231__us-gaap--LoanRestructuringModificationNameAxis__custom--CARESActMember_zDCV1Zw7K635" title="Principal deferments number classified as TDRs">9</span> loans, with an aggregate loan balance of $<span id="xdx_908_eus-gaap--FinancingReceivableModificationsPostModificationRecordedInvestment2_pn5n6_c20210101__20211231__us-gaap--LoanRestructuringModificationNameAxis__custom--CARESActMember_z4tchQJyC94" title="Loan balance of principal deferred loans classified as TDRs">4</span>.0 million, that were granted payment accommodations as TDRs given the continued financial difficulty of the customer, associated industry risk, and multiple deferral requests. All other borrowers were current prior to relief, were not experiencing financial difficulty prior to COVID-19, and the Bank determined they were not considered TDRs. As of December 31, 2021, <span id="xdx_90E_ecustom--FinancingReceivableModificationsNumberOfContractsRemoved_uNumber_c20210101__20211231__us-gaap--LoanRestructuringModificationNameAxis__custom--CARESActMember_zCsWqh997WT2" title="Number of loans removed from TDR status">4</span> of the TDRs were removed from TDR status due to improvement in financial condition and sustained performance under the restructured terms, <span id="xdx_904_ecustom--FinancingReceivableModificationsNumberOfContractsRefinanced_uNumber_c20210101__20211231__us-gaap--LoanRestructuringModificationNameAxis__custom--CARESActMember_ztCPCUiNcrJj" title="Number of loans refinanced">2</span> TDRs were paid off through refinancing into new loans at market terms, and <span id="xdx_904_ecustom--FinancingReceivableModificationsNumberOfContractsPaidOff_uNumber_c20210101__20211231__us-gaap--LoanRestructuringModificationNameAxis__custom--CARESActMember_z1uufV8LCcZb" title="Number of loans paid off">1</span> TDR was paid off. <span id="xdx_900_ecustom--RestructuredLoansNumber_iI_dc_uNumber_c20211231__us-gaap--LoanRestructuringModificationNameAxis__custom--CARESActMember_zSVWOYBNH2b8">Two</span> loans with a balance of $<span id="xdx_906_eus-gaap--FinancingReceivableModificationsRecordedInvestment_iI_pn5n6_uUSD_c20211231__us-gaap--LoanRestructuringModificationNameAxis__custom--CARESActMember_zKUtQoRmwkjd">0.5</span> million remain in TDR status as of December 31, 2021. Additionally, of the <span id="xdx_900_ecustom--PrincipalDefermentsNumberOfCustomersNotClassifiedAsTroubledDebtRestructuring_pip0_c20210101__20211231__us-gaap--LoanRestructuringModificationNameAxis__custom--CARESActMember_z5OwGCh1WCN9">75</span> customers that received payment accommodations that were not classified as TDRs, <span id="xdx_90C_ecustom--PrincipalDefermentsNumberOfCustomersNotClassifiedAsTroubledDebtRestructuringPaidInFull_pip0_c20210101__20211231__us-gaap--LoanRestructuringModificationNameAxis__custom--CARESActMember_zKe74lZdvVbe">41</span> customers, with an aggregate loan balance of $<span id="xdx_901_ecustom--PrincipalDefermentLoansNotClassifiedAsTroubledDebtRestructuringPaidInFull_pn5n6_c20210101__20211231__us-gaap--LoanRestructuringModificationNameAxis__custom--CARESActMember_z0ci4x8L2Yoj">9.9</span> million, have paid their loan in full as of December 31, 2021. The remaining loans are paying as agreed as of December 31, 2021. There are no loans that received payment accommodation past due greater than 30 days. The Bank will continue to examine payment accommodations as requested by borrowers.</span></p> <p id="xdx_890_eus-gaap--ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_zzQR0vsgcFx9" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span><span id="xdx_8BD_zwiIQ0kxhg8e">Major classifications of loans</span> (net of deferred loan fees of $<span id="xdx_903_eus-gaap--LoansAndLeasesReceivableDeferredIncome_iI_c20211231_zNWKCGr5b9Th" title="Deferred loan fees">488,481</span> at December 31, 2021, and $<span id="xdx_906_eus-gaap--LoansAndLeasesReceivableDeferredIncome_iI_c20201231_zWsVx7scT5sg">676,155</span> at December 31, 2020) are shown in the table below.</span> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 70%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; padding-left: 0.125in; text-indent: -0.125in">Commercial</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zMw7VzVZujIg" style="width: 12%; text-align: right">45,804,434</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zsJXLB541wqg" style="width: 12%; text-align: right">51,041,397</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial real estate:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Construction</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_zssU4CFKU0gc" style="text-align: right">12,054,095</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_zz38mngbIRSf" style="text-align: right">14,813,726</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -0.125in; padding-left: 0.25in">Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_z9gbwwqyYKw" style="text-align: right">165,719,078</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zeIbo3TZaW9d" style="text-align: right">146,187,886</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Consumer:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Real estate</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zIc9cacZyQP3" style="text-align: right">71,307,488</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zsNaiVX1EDCg" style="text-align: right">71,836,041</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zhaNUxE43O0a" style="text-align: right">3,768,531</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zVHpvtFWC9Bk" style="text-align: right">4,480,491</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Paycheck protection program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zX0wDVXNe9i4" style="border-bottom: Black 1pt solid; text-align: right">7,978,603</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zKyqiB875pOc" style="border-bottom: Black 1pt solid; text-align: right">32,443,132</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231_zHFmEYA9AFi9" style="text-align: right" title="Loans">306,632,229</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231_zpRBucJBf4ye" style="text-align: right">320,802,673</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Allowance for loan losses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableAllowance_iNI_di_c20211231_zcy7nbm9Shx9" style="border-bottom: Black 1pt solid; text-align: right" title="Allowance for loan losses">(4,376,987</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableAllowance_iNI_di_c20201231_zzWu21giUB7k" style="border-bottom: Black 1pt solid; text-align: right">(4,185,694</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Loans, net</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_iI_c20211231_z6ffxg15i6H4" style="border-bottom: Black 2.5pt double; text-align: right" title="Loans, net">302,255,242</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_iI_c20201231_zPTJiV6sQzai" style="border-bottom: Black 2.5pt double; text-align: right">316,616,979</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 488481 676155 45804434 51041397 12054095 14813726 165719078 146187886 71307488 71836041 3768531 4480491 7978603 32443132 306632229 320802673 4376987 4185694 302255242 316616979 94700000 76000000 349000000000 0.0100 P2Y 1 0.01 0.05 2400000 1300000 600000 310000000000 55300000 480 1 <p id="xdx_89D_eus-gaap--FinancingReceivableCreditQualityIndicatorsTableTextBlock_zl5bIM2WWSEk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B2_zFAqdTTVH756">The following tables illustrate credit risks by category and internally assigned grades at December 31, 2021 and 2020.</span> “Pass” includes loans internally graded as excellent, good and satisfactory.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td colspan="29" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commerical <br/> Real Estate<br/> Construction</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> Real Estate <br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Paycheck<br/> Protection<br/> Program</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 12%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pass</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pp0p0_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_z7sBNPmSqWt3" style="width: 9%; text-align: right" title="Loans">43,853,889</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateConstructionFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_zOqyfQrrQJW1" style="width: 10%; text-align: right">11,616,118</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_z4r0zEdkpvoe" style="width: 10%; text-align: right">159,825,281</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_znL6JofTGnK7" style="width: 10%; text-align: right">69,920,347</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_zZwgeSWQNKOd" style="width: 9%; text-align: right">3,565,716</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_zcV3OFPSGsb5" style="width: 9%; text-align: right">7,978,603</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_zouhQkmMHDN5" style="width: 9%; text-align: right">296,759,954</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Watch</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zTlGSmekEtt3" style="text-align: right">450,319</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateConstructionFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_z9yDsDeOrQmh" style="text-align: right">437,977</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zFQFjxgJ2fNc" style="text-align: right">3,082,408</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zaFHgNcjg7A4" style="text-align: right">862,938</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zsPq5ohC9Kt8" style="text-align: right">133,418</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_z5Ind50a7Vka" style="text-align: right">4,967,060</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">OAEM</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zmpZXw9vyRFj" style="text-align: right">36,749</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zTgWZvDKLBN4" style="text-align: right">1,158,268</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zkOKAYwQSF3b" style="text-align: right">274,445</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zWCAbSK17Z8" style="text-align: right">29,244</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_z5VkvoYF9JO5" style="text-align: right">1,498,706</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Substandard</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zOKWZZggNzli" style="text-align: right">1,463,477</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zizidyy20LRd" style="text-align: right">1,653,121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zeWL0hAU8RM1" style="text-align: right">249,758</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zNt1mpHJoSbj" style="text-align: right">40,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zEjilwFA9YZd" style="text-align: right">3,406,509</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Doubtful</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loss</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zv9zwiVYDFpl" style="border-bottom: Black 2.5pt double; text-align: right">45,804,434</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateConstructionFinancingReceivableMember_zCJtbxPifLTf" style="border-bottom: Black 2.5pt double; text-align: right">12,054,095</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember_zrcCFUOnsm29" style="border-bottom: Black 2.5pt double; text-align: right">165,719,078</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zpqdolVyGrA3" style="border-bottom: Black 2.5pt double; text-align: right">71,307,488</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember_zPxhhmAzbPd3" style="border-bottom: Black 2.5pt double; text-align: right">3,768,531</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zCTWaqVsjwT2" style="border-bottom: Black 2.5pt double; text-align: right">7,978,603</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231_zqnAMoO4boK8" style="border-bottom: Black 2.5pt double; text-align: right">306,632,229</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td colspan="29" style="border-bottom: Black 1pt solid; text-align: center; vertical-align: bottom"><b>December 31, 2020</b></td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> Real Estate<br/> Construction</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial <br/> Real Estate <br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Paycheck<br/> Protection<br/> Program</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 12%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pass</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_zEwr5RxSYP8j" style="width: 9%; text-align: right">44,903,134</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateConstructionFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_zZu00xbVHsYl" style="width: 10%; text-align: right">14,349,065</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_zc8lodN7rXpe" style="width: 10%; text-align: right">125,111,378</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_z3dQhwFdzPnd" style="width: 10%; text-align: right">70,454,909</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_zvTdgdyY7mxc" style="width: 9%; text-align: right">4,171,858</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_z10N3F4kQhCa" style="width: 9%; text-align: right">32,443,132</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_ztok5xUbp0Lc" style="width: 9%; text-align: right">291,433,476</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Watch</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zdtcR6f7a7Qh" style="text-align: right">3,415,408</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateConstructionFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zunFWrzXHXgf" style="text-align: right">464,661</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zFKQAxyGTpgk" style="text-align: right">15,200,992</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_ztuXyfhvKIL6" style="text-align: right">467,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zz3oaeSjSlEh" style="text-align: right">219,954</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--InternalCreditAssessmentAxis__custom--WatchMember_zR3eY7L37x49" style="text-align: right">19,768,178</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">OAEM</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zzV2RDKPH7I7" style="text-align: right">1,039,647</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zYwXUiZsKWte" style="text-align: right">1,784,296</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zIllc7t5vzOj" style="text-align: right">623,226</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zYtcNEOIAo37" style="text-align: right">46,783</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zYBnBjOgBCSd" style="text-align: right">3,493,952</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Substandard</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zhUe6DUakYb" style="text-align: right">1,683,208</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zzIUSxdfxD4" style="text-align: right">4,091,220</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zwSTbsj3c74b" style="text-align: right">290,743</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zk6wzoEoAMZi" style="text-align: right">41,896</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zU7Hrygbpds7" style="text-align: right">6,107,067</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Doubtful</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loss</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zdVOkbU8l3c5" style="border-bottom: Black 2.5pt double; text-align: right">51,041,397</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateConstructionFinancingReceivableMember_zFri1jH8H5fk" style="border-bottom: Black 2.5pt double; text-align: right">14,813,726</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember_zJolmt2PYKj6" style="border-bottom: Black 2.5pt double; text-align: right">146,187,886</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zFnUjS23m676" style="border-bottom: Black 2.5pt double; text-align: right">71,836,041</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ConsumerOtherFinancingReceivableMember_zsTVX0oqc6Kh" style="border-bottom: Black 2.5pt double; text-align: right">4,480,491</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_z4NSxr5DRmqd" style="border-bottom: Black 2.5pt double; text-align: right">32,443,132</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231_z6YGcMJJykJg" style="border-bottom: Black 2.5pt double; text-align: right">320,802,673</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 43853889 11616118 159825281 69920347 3565716 7978603 296759954 450319 437977 3082408 862938 133418 4967060 36749 1158268 274445 29244 1498706 1463477 1653121 249758 40153 3406509 45804434 12054095 165719078 71307488 3768531 7978603 306632229 44903134 14349065 125111378 70454909 4171858 32443132 291433476 3415408 464661 15200992 467163 219954 19768178 1039647 1784296 623226 46783 3493952 1683208 4091220 290743 41896 6107067 51041397 14813726 146187886 71836041 4480491 32443132 320802673 <p id="xdx_89B_eus-gaap--PastDueFinancingReceivablesTableTextBlock_zL4Cn6WqE18f" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BD_znyBD9IJqlKi">The following tables include an aging analysis of the recorded investment in loans segregated by class.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold; text-align: center"> </td> <td style="padding-bottom: 1pt; font-weight: bold; text-align: center"> </td> <td colspan="26" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">30-59 Days<br/> Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">60-89 Days<br/> Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Greater than<br/> 90 Days Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total<br/> Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Current</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total Loans Receivable</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Recorded Investment ≥<br/> 90 Days and Accruing</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 30%; padding-left: 0.125in; text-indent: -0.125in">Commercial</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zFGKPkOvLHoe" style="width: 7%; text-align: right" title="Loans">88,659</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_z20NPdbEZA8l" style="width: 7%; text-align: right">88,659</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zdTaPh5CVBY1" style="width: 7%; text-align: right">45,715,775</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zDVTpN6mwlc5" style="width: 7%; text-align: right">45,804,434</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zPR1Gel3UCZ" style="text-align: right">12,054,095</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_zdUg0YaEJ0Gi" style="text-align: right">12,054,095</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zpQaTF2mt7U3" style="text-align: right">59,269</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_z3E24LoRv468" style="text-align: right">288,464</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z9cMVQbMsicg" style="text-align: right">337,490</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_ztAzuaBDUV6j" style="text-align: right">685,223</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zL1T1ovFacC5" style="text-align: right">165,033,855</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zP3efuAmIOzk" style="text-align: right">165,719,078</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zkRZJhocnyfi" style="text-align: right">71,307,488</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zdwMZbUkvpbi" style="text-align: right">71,307,488</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zkHVGoAPRo3e" style="text-align: right">23,971</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zsCWipVyWMh7" style="text-align: right">23,971</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zgozesGLyzb8" style="text-align: right">3,744,560</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zegBfkdtJVpg" style="text-align: right">3,768,531</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zRZMJaWf3002" style="border-bottom: Black 1pt solid; text-align: right">7,978,603</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zcBTgZPU9oVc" style="border-bottom: Black 1pt solid; text-align: right">7,978,603</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zFu71qtkSSee" style="border-bottom: Black 2.5pt double; text-align: right">171,899</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_z4DOIV7ImFVa" style="border-bottom: Black 2.5pt double; text-align: right">288,464</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zMbDqTpzL1j4" style="border-bottom: Black 2.5pt double; text-align: right">337,490</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_z676MGIDWV79" style="border-bottom: Black 2.5pt double; text-align: right">797,853</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zBrUtuNt52lj" style="border-bottom: Black 2.5pt double; text-align: right">305,834,376</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20211231_zktraOMN35G9" style="border-bottom: Black 2.5pt double; text-align: right">306,632,229</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="26" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">30-59 Days<br/> Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">60-89 Days<br/> Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Greater than 90 Days Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total<br/> Past Due</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Current</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total Loans Receivable</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Recorded Investment ≥<br/> 90 Days and Accruing</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 30%; text-indent: -0.125in; padding-left: 0.125in">Commercial</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zyTpUBi9vrr2" style="width: 7%; text-align: right">144,999</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zHFWSh8MLwdg" style="width: 7%; text-align: right">27,855</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_ztBGe2m7sJW6" style="width: 7%; text-align: right">172,854</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zyK2a7yRXa43" style="width: 7%; text-align: right">50,868,543</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zVVs227RDvV1" style="width: 7%; text-align: right">51,041,397</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zWzHANf46gGa" style="text-align: right">14,813,726</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_zj8RJuuFPt7d" style="text-align: right">14,813,726</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zfZVmDXrNW3d" style="text-align: right">61,597</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zaNyT5agXKvg" style="text-align: right">923,828</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zdzvMyyoS0r" style="text-align: right">985,425</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zYHaj9CM99Jk" style="text-align: right">145,202,461</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zPfa3liyCa1" style="text-align: right">146,187,886</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_z8cYdwtGT8c8" style="text-align: right">40,893</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zN8Aw6xaQGB8" style="text-align: right">40,893</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_z4cH2FE8ZTT6" style="text-align: right">71,795,148</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zQ3TGVzGZ2Jj" style="text-align: right">71,836,041</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.125in">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_z5nDoVS2BVZe" style="text-align: right">4,480,491</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zDIlhrxnKXQj" style="text-align: right">4,480,491</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.125in">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zlt48PQkhdAe" style="border-bottom: Black 1pt solid; text-align: right">32,443,132</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zso5TbuPLZwf" style="border-bottom: Black 1pt solid; text-align: right">32,443,132</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"> </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; text-indent: -0.125in; padding-left: 0.125in">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables30To59DaysPastDueMember_zQyRFL7oBGhd" style="border-bottom: Black 2.5pt double; text-align: right">206,596</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivables60To89DaysPastDueMember_zvtWiCqj7EAa" style="border-bottom: Black 2.5pt double; text-align: right">27,855</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_zh0YIjPGGDUf" style="border-bottom: Black 2.5pt double; text-align: right">964,721</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetPastDueMember_zWCp3Nv6JLA4" style="border-bottom: Black 2.5pt double; text-align: right">1,199,172</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231__us-gaap--FinancingReceivablesPeriodPastDueAxis__us-gaap--FinancialAssetNotPastDueMember_zw0EjAnClyV1" style="border-bottom: Black 2.5pt double; text-align: right">319,603,501</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_c20201231_zymzgR3cAeck" style="border-bottom: Black 2.5pt double; text-align: right">320,802,673</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 88659 88659 45715775 45804434 12054095 12054095 59269 288464 337490 685223 165033855 165719078 71307488 71307488 23971 23971 3744560 3768531 7978603 7978603 171899 288464 337490 797853 305834376 306632229 144999 27855 172854 50868543 51041397 14813726 14813726 61597 923828 985425 145202461 146187886 40893 40893 71795148 71836041 4480491 4480491 32443132 32443132 206596 27855 964721 1199172 319603501 320802673 <p id="xdx_890_eus-gaap--ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_ztOvEI45i4lc" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B9_zmpgteJZxCqb">The following table summarizes the balances of non-accrual loans.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 70%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>Loans Receivable on Non-Accrual </b></span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>December 31, 2021</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>December 31, 2020</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%">Commercial</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z6Wx0N6YTFkl" style="width: 12%; text-align: right">178,975</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zQEDt3XZDJN" style="width: 12%; text-align: right" title="Loans Receivable on Non-Accrual">178,975</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember_zmPg5OKSimmj" style="text-align: right">625,953</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialRealEstateOtherReceivableMember_zIsBcf9EiGZ4" style="text-align: right">923,828</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_pp0p0" style="text-align: right" title="Non-accrual loans receivable">40,893</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_pp0p0" style="text-align: right" title="Non-accrual loans receivable">9,686</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zjhpEWrOrUOa" style="text-align: right">12,234</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20211231_pp0p0" style="border-bottom: Black 2.5pt double; text-align: right" title="Non-accrual loans receivable">814,614</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20201231_pp0p0" style="border-bottom: Black 2.5pt double; text-align: right" title="Non-accrual loans receivable">1,155,930</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 178975 178975 625953 923828 40893 9686 12234 814614 1155930 <p id="xdx_893_eus-gaap--AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_zjQ7a5PM3FMl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B4_zRMO09AYS9jc">The following tables set forth the changes in the allowance and an allocation of the allowance by class at December 31, 2021, 2020, and 2019.</span> The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. The general component covers non-impaired loans and is based on historical loss experience adjusted for current economic factors.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_497_20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zeBlFISM64Kd" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_490_20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_z7rp2b2xLNO1" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_496_20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zbfc713jB7r3" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zJYJRXciMqif" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_498_20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zuPzIET3g9f" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_498_20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zzR3UJwRcVk3" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_495_20210101__20211231_zrALu9JBq28d" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="26" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial<br/> Real Estate Construction</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial<br/> Real Estate<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer<br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Paycheck Protection Program</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_408_eus-gaap--FinancingReceivableAllowanceForCreditLossesRollForward_iB_z5hu7liCeGa8" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Allowance for Loan Losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinancingReceivableAllowanceForCreditLosses_i01S_zoDZLTbGtOOf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 30%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Beginning Balance</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">1,029,310</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">199,266</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">1,909,121</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">925,077</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">122,920</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1108">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">4,185,694</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--FinancingReceivableAllowanceForCreditLossesWriteOffs_i01N_di_zXOW8bB1TJAh" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1111">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1112">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1113">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1114">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(11,440</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(9,550</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(20,990</td><td style="text-align: left">)</td></tr> <tr id="xdx_40E_eus-gaap--FinancingReceivableAllowanceForCreditLossesRecovery_i01_zwtiKaIY8RQe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Recoveries</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,329</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1120">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1121">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">47,711</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22,367</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">876</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">92,283</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--ProvisionForLoanAndLeaseLosses_i01_zD1F7o2khZr3" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Provisions</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(254,950</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(23,773</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">467,185</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(48,004</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(29,132</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">8,674</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">120,000</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinancingReceivableAllowanceForCreditLosses_i01E_zxw5iHfWvZ5l" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Ending Balance</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">795,689</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">175,493</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,376,306</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">924,784</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">104,715</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1140">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,376,987</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zpKApdPh7Rge" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_zl464PdvQQE1" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_491_20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zepkc6cjhf1" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49D_20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zAQsnMo5pOYc" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_498_20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zQYb9gCBw3m6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_494_20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zkqXei24aV3j" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49B_20200101__20201231_zeiH5hcFZO0j" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="26" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial<br/> Real Estate Construction</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial<br/> Real Estate<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer<br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Paycheck Protection Program</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_408_eus-gaap--FinancingReceivableAllowanceForCreditLossesRollForward_iB_za1WGBlj7XCl" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; text-indent: -9pt; padding-left: 9pt">Allowance for Loan Losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--FinancingReceivableAllowanceForCreditLosses_iS_zStwDpes41o7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 30%; text-align: left; text-indent: -9pt; padding-left: 9pt">Beginning Balance</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">1,429,917</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">109,235</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">1,270,445</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">496,221</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">697,940</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1156">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">4,003,758</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--FinancingReceivableAllowanceForCreditLossesWriteOffs_i01N_di_zwwWddGZQ1l" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -9pt; padding-left: 9pt">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(171,646</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1160">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1161">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1162">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(116,001</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,650</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(290,297</td><td style="text-align: left">)</td></tr> <tr id="xdx_40E_eus-gaap--FinancingReceivableAllowanceForCreditLossesRecovery_i01_zv61TESZp5oa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -9pt; padding-left: 9pt">Recoveries</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">88,811</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1168">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">99,801</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1170">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">43,599</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">232,233</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--ProvisionForLoanAndLeaseLosses_i01_zo1fzMiAMDI3" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: -9pt; padding-left: 9pt">Provisions</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(317,772</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">90,031</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">538,875</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">428,856</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(502,618</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,628</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">240,000</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinancingReceivableAllowanceForCreditLosses_i01E_z61VE2clBi82" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; text-indent: -9pt; padding-left: 9pt">Ending Balance</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,029,310</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">199,266</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,909,121</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">925,077</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">122,920</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1188">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,185,694</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zDoWl6KM0eK" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_493_20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_zNn19oIpAJm" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_495_20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zsvmZvN5eMj2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zWQud3mBMROa" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zDildFFEUqD4" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zDFej8veIX91" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20190101__20191231_z6TO340rvRqf" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="26" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Commercial</b></span> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Real Estate</b><br/> <b>Construction</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p></td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial<br/> Real Estate <br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer <br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer <br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Paycheck Protection<br/> Program</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_408_eus-gaap--FinancingReceivableAllowanceForCreditLossesRollForward_iB_zDUVktXDCGt6" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; text-indent: -8.65pt; padding-left: 8.65pt">Allowance for Loan Losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--FinancingReceivableAllowanceForCreditLosses_i01S_zQCENS1oRpia" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 30%; text-align: left; text-indent: -8.65pt; padding-left: 8.65pt">Beginning Balance</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">1,665,413</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">63,876</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">1,292,346</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">386,585</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">806,111</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1207">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">4,214,331</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--FinancingReceivableAllowanceForCreditLossesWriteOffs_i01N_di_zMEd4q4Sid6e" style="vertical-align: bottom; background-color: White"> <td style="text-indent: -8.65pt; padding-left: 8.65pt">Charge-offs</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(398,685</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1211">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1212">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1213">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(8,342</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1215">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(407,027</td><td style="text-align: left">)</td></tr> <tr id="xdx_40E_eus-gaap--FinancingReceivableAllowanceForCreditLossesRecovery_i01_zCWL8n7gKojl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -8.65pt; padding-left: 8.65pt">Recoveries</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">12,200</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1219">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1220">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1221">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,254</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1223">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,454</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--ProvisionForLoanAndLeaseLosses_i01_z2fcfBRnh8K2" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: -8.65pt; padding-left: 8.65pt">Provisions</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">150,989</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">45,359</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(21,901</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">109,636</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(104,083</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1231">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">180,000</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--FinancingReceivableAllowanceForCreditLosses_i01E_zqS84EWZ34C1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; text-indent: -8.65pt; padding-left: 8.65pt">Ending Balance</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,429,917</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">109,235</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,270,445</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">496,221</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">697,940</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1239">—</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,003,758</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1029310 199266 1909121 925077 122920 4185694 11440 9550 20990 21329 47711 22367 876 92283 -254950 -23773 467185 -48004 -29132 8674 120000 795689 175493 2376306 924784 104715 4376987 1429917 109235 1270445 496221 697940 4003758 171646 116001 2650 290297 88811 99801 43599 22 232233 -317772 90031 538875 428856 -502618 2628 240000 1029310 199266 1909121 925077 122920 4185694 1665413 63876 1292346 386585 806111 4214331 398685 8342 407027 12200 4254 16454 150989 45359 -21901 109636 -104083 180000 1429917 109235 1270445 496221 697940 4003758 <p id="xdx_89A_ecustom--ScheduleOfAllocationOfAllowanceForLoanLossesAndGrossInvestmentInLoansTableTextblock_z3svbukrPnK3" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B7_zxlvMptSjgO9">The following tables present, by class and reserving methodology, the allocation of the allowance for loan losses and the gross investment in loans.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_492_20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zdtSwmuEaOsh" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_zgbgsE5RzPO6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zv4F8SWMtpDk" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_496_20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zdMiICBq99E2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_499_20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_z594DAvkZMVj" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_497_20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zn7iFSEuccP4" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_493_20211231_z7GOcrs0YsBb" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="26" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Commercial</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Commercial<br/> Real Estate Construction</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Commercial<br/> Real Estate<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Consumer<br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Consumer<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Paycheck Protection Program</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Total</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr id="xdx_40C_eus-gaap--FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract_iB_z69ZEPF6ta0g" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Allowance for Loan Losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_i01I_maFRAFCzBxN_zbpXEAHreJ3g" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 30%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Individually evaluated for impairment</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">179,988</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1256">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1257">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1258">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">40,153</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1260">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">220,141</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_i01I_maFRAFCzBxN_z7UkSSttHXuj" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Collectively evaluated for impairment</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">615,701</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">175,493</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,376,306</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">924,784</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">64,562</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1268">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,156,846</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--FinancingReceivableAllowanceForCreditLosses_i01TI_mtFRAFCzBxN_z8rBxuse5xDe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Total Allowance for Loan Losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">795,689</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">175,493</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,376,306</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">924,784</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">104,715</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1276">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,376,987</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--LoansReceivablesAbstract_iB_zZbgiD7T3I05" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Loans Receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_i01I_maLALRNzTxT_zQZROD28qCNg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Individually evaluated for impairment</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,463,477</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1288">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,653,121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">249,758</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">40,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1292">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,406,509</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--FinancingReceivableCollectivelyEvaluatedForImpairment_i01I_maLALRNzTxT_zlPwFDLcBsB9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Collectively evaluated for impairment</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">44,340,957</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">12,054,095</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">164,065,957</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">71,057,730</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,728,378</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">7,978,603</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">303,225,720</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_i01TI_mtLALRNzTxT_zpu8mPV2B5I" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Total Loans Receivable</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">45,804,434</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">12,054,095</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">165,719,078</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">71,307,488</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,768,531</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,978,603</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">306,632,229</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49B_20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zzC1cDBXbGfi" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_499_20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember_zDK32l2LMkN5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_491_20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_ztnPs4wjZpWd" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zTa0Y5w32cS4" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49B_20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_z6POPKzYf5qf" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_492_20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember_zQivgGSq3iah" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_491_20201231_za9hbalELAIj" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="26" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial<br/> Real Estate Construction</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Commercial<br/> Real Estate<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer<br/> Real Estate</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Consumer<br/> Other</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Paycheck Protection Program</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40C_eus-gaap--FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract_iB_zzCvRfT5w6fg" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; text-indent: -9pt; padding-left: 9pt">Allowance for Loan Losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1_i01I_z43lHRbdNgdb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 30%; text-align: left; text-indent: -9pt; padding-left: 9pt">Individually evaluated for impairment</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">357,657</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1320">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">36,747</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">9,111</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">41,896</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1324">—</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">445,411</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_i01I_zu63OC8t5LJa" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -9pt; padding-left: 9pt">Collectively evaluated for impairment</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">671,653</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">199,266</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,872,374</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">915,966</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">81,024</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1332">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,740,283</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--FinancingReceivableAllowanceForCreditLosses_i01TI_zhuAABK3ZJZi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; text-indent: -9pt; padding-left: 9pt">Total Allowance for Loan Losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,029,310</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">199,266</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,909,121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">925,077</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">122,920</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1340">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,185,694</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--LoansReceivablesAbstract_iB_zgjPXpbLLXq7" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; text-indent: -9pt; padding-left: 9pt">Loans Receivable</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_i01I_z0YhxNbgO80i" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -9pt; padding-left: 9pt">Individually evaluated for impairment</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,298,120</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1352">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,174,841</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">290,743</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">41,896</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1356">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,805,600</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--FinancingReceivableCollectivelyEvaluatedForImpairment_i01I_z86XHCBZLWyh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -9pt; padding-left: 9pt">Collectively evaluated for impairment</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">48,743,277</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">14,813,726</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">141,013,045</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">71,545,298</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,438,595</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">32,443,132</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">312,997,073</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_i01TI_zydG2DHNGuOj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: -9pt; padding-left: 9pt">Total Loans Receivable</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">51,041,397</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">14,813,726</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">146,187,886</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">71,836,041</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">4,480,491</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">32,443,132</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">320,802,673</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 179988 40153 220141 615701 175493 2376306 924784 64562 4156846 795689 175493 2376306 924784 104715 4376987 1463477 1653121 249758 40153 3406509 44340957 12054095 164065957 71057730 3728378 7978603 303225720 45804434 12054095 165719078 71307488 3768531 7978603 306632229 357657 36747 9111 41896 445411 671653 199266 1872374 915966 81024 3740283 1029310 199266 1909121 925077 122920 4185694 2298120 5174841 290743 41896 7805600 48743277 14813726 141013045 71545298 4438595 32443132 312997073 51041397 14813726 146187886 71836041 4480491 32443132 320802673 <p id="xdx_895_eus-gaap--ImpairedFinancingReceivablesTableTextBlock_zoY32Es9INL2" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B4_zzhDbv3nVx7c">As of December 31, 2021 and 2020, loans individually evaluated for impairment and the corresponding allowance for loan losses are presented in the following table.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td colspan="22" style="font-weight: bold; text-align: center">Impaired and Restructured Loans As of</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-align: center; vertical-align: bottom; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>Unpaid <br/> Principal <br/> Balance</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>Recorded Investment</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>Related <br/> Allowance</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>Unpaid <br/> Principal <br/> Balance</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>Recorded Investment</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>Related<br/> Allowance</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td id="xdx_983_ecustom--ImpairedFinancingReceivableithWithNoRelatedAllowanceRecordedAbstract_iB_c20210101__20210630_zz8wcT2MCIK1" style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">With no related allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; padding-left: 0.125in; text-indent: -0.125in">Commercial</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z7B5II2qO4h" style="width: 7%; text-align: right" title="Unpaid Principal Balance with no related allowance recorded">1,096,407</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zflogQmHDS57" style="width: 7%; text-align: right" title="Recorded Investment with no related allowance recorded">1,096,407</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zmoaSKIJTFSi" style="width: 7%; text-align: right" title="Unpaid Principal Balance with no related allowance recorded">1,721,818</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zyUeXrjRmQl6" style="width: 7%; text-align: right" title="Recorded Investment with no related allowance recorded">1,721,818</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 7%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_z6gNewn5sSg" style="text-align: right">1,653,121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zle7o4jKDex3" style="text-align: right">1,653,121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zhfA5ylOJ5T5" style="text-align: right">4,831,757</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_z793xn18q7sh" style="text-align: right">4,831,757</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zK0ONXaNtP6c" style="text-align: right">249,758</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zm57hIuKCJBl" style="text-align: right">249,758</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zJgWMiy9uOmf" style="text-align: right">249,850</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zdXsPFjUWKIj" style="text-align: right">249,850</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Total</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_iI_maUPD_c20211231_z0HPATXUhZob" style="border-bottom: Black 1pt solid; text-align: right">2,999,286</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_maRecInv_c20211231_zan91vYWL5a" style="border-bottom: Black 1pt solid; text-align: right">2,999,286</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231_zJy5IVB9Lw45" style="border-bottom: Black 1pt solid; text-align: right">6,803,425</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment_iI_c20201231_zQYKUs7iGLkl" style="border-bottom: Black 1pt solid; text-align: right">6,803,425</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td id="xdx_983_ecustom--ImpairedFinancingReceivableithWithRelatedAllowanceRecordedAbstract_iB_c20210101__20210630_zjfE3qx8z3R2" style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zf4mGnndoaz" style="text-align: right" title="Unpaid Principal Balance with an allowance recorded">367,070</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z4J4JjDv4WB8" style="text-align: right" title="Recorded Investment with an allowance recorded">367,070</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zehQPLshQNk1" style="text-align: right" title="Related Allowance">179,988</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zJbi0YgnoDQh" style="text-align: right" title="Unpaid Principal Balance with an allowance recorded">576,302</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zyxAwccIXv98" style="text-align: right">576,302</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z61kf8xlNmw1" style="text-align: right" title="Related Allowance">357,657</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zrSVipuP44gj" style="text-align: right">343,084</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zg10FYtBiYdf" style="text-align: right">343,084</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zY1eRBupe5ej" style="text-align: right">36,747</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zw5qouJ98ETh" style="text-align: right">40,893</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zA6Za9loru05" style="text-align: right">40,893</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zqRoMJ8nSVS9" style="text-align: right">9,111</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zhbOIrEczDT5" style="text-align: right">40,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zA0BNtwo31S" style="text-align: right">40,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zz8bPRfVtvG6" style="text-align: right">40,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zRN2ikAOVncf" style="text-align: right">41,896</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_z3yWj1jpaHw1" style="text-align: right">41,896</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zVp8DlAXqLOk" style="text-align: right">41,896</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Total</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_iI_maUPD_c20211231_ze1Vpc9EAa48" style="border-bottom: Black 1pt solid; text-align: right">407,223</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_maRecInv_c20211231_zvBrJHoE7V9f" style="border-bottom: Black 1pt solid; text-align: right">407,223</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_c20211231_zwIrY1QzDfOc" style="border-bottom: Black 1pt solid; text-align: right">220,141</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance_iI_c20201231_z8TRm073vCy9" style="border-bottom: Black 1pt solid; text-align: right">1,002,175</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment_iI_c20201231_zyEfBLdSRHM2" style="border-bottom: Black 1pt solid; text-align: right">1,002,175</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_c20201231_zirQg1PL6KG2" style="border-bottom: Black 1pt solid; text-align: right">445,411</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td id="xdx_985_ecustom--ImpairedFinancingReceivableithWithOrWithNoRelatedAllowanceRecordedAbstract_iB_c20210101__20211231_zmZauPqPd1y2" style="font-weight: bold; padding-left: 0.125in; text-indent: -0.125in">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z1meXkqLPtdh" style="text-align: right">1,463,477</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zAXXJTcPntMj" style="text-align: right">1,463,477</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--ImpairedFinancingReceivableRelatedAllowanceOne_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z6u0srSy3vJ8" style="text-align: right">179,988</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zZe3e3Y6VcT5" style="text-align: right">2,298,120</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zzwfernl8fdl" style="text-align: right">2,298,120</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--ImpairedFinancingReceivableRelatedAllowanceOne_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zp6sL7MOzzD1" style="text-align: right">357,657</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zv0UX85rz8Aa" style="text-align: right">1,653,121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zLeuNzBwtoe5" style="text-align: right">1,653,121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_ztG536e8ps5e" style="text-align: right">5,174,841</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zBKWzLyVRWde" style="text-align: right">5,174,841</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--ImpairedFinancingReceivableRelatedAllowanceOne_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_z7uGNNjgGaU9" style="text-align: right">36,747</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zbME8rRAbiKf" style="text-align: right">249,758</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zAUsM0a9GkR2" style="text-align: right">249,758</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zdMKHnPsOend" style="text-align: right">290,743</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zFcXweBH4nEa" style="text-align: right">290,743</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--ImpairedFinancingReceivableRelatedAllowanceOne_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zYcncD10pQe1" style="text-align: right">9,111</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zRHeWa7zmOFi" style="text-align: right">40,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zetaunK1HgD1" style="text-align: right">40,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--ImpairedFinancingReceivableRelatedAllowanceOne_iI_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zBz9EwLLjYNc" style="text-align: right">40,153</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_z6q57GbW9Cjf" style="text-align: right">41,896</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zdAb3XqzMu3d" style="text-align: right">41,896</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--ImpairedFinancingReceivableRelatedAllowanceOne_iI_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zSDFdtM5o66c" style="text-align: right">41,896</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_mtUPD_c20211231_zQ1MXFMtd7M" style="border-bottom: Black 2.5pt double; text-align: right">3,406,509</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_mtRecInv_c20211231_z1dQkYFP5Q64" style="border-bottom: Black 2.5pt double; text-align: right">3,406,509</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_ecustom--ImpairedFinancingReceivableRelatedAllowanceOne_iI_c20211231_zOnDP0YqU7Z2" style="border-bottom: Black 2.5pt double; text-align: right">220,141</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iTI_c20201231_zFGd4DWx9Z8g" style="border-bottom: Black 2.5pt double; text-align: right">7,805,600</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iTI_c20201231_zz8oYazR3hIh" style="border-bottom: Black 2.5pt double; text-align: right">7,805,600</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_ecustom--ImpairedFinancingReceivableRelatedAllowanceOne_iI_c20201231_zGVCSDzvpDsh" style="border-bottom: Black 2.5pt double; text-align: right">445,411</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1096407 1096407 1721818 1721818 1653121 1653121 4831757 4831757 249758 249758 249850 249850 2999286 2999286 6803425 6803425 367070 367070 179988 576302 576302 357657 343084 343084 36747 40893 40893 9111 40153 40153 40153 41896 41896 41896 407223 407223 220141 1002175 1002175 445411 1463477 1463477 179988 2298120 2298120 357657 1653121 1653121 5174841 5174841 36747 249758 249758 290743 290743 9111 40153 40153 40153 41896 41896 41896 3406509 3406509 220141 7805600 7805600 445411 <p id="xdx_89C_ecustom--ScheduleOfAverageImpairedLoansAndInterestIncomeRecognizedOnImpairedLoansTableTextblock_z44e46WOP216" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B6_ztbmcI0OsPZg">The following table presents average impaired loans and interest income recognized on those impaired loans, by class segment, for the periods indicated.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td colspan="22" style="font-weight: bold; text-align: center">For the year ended December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Average <br/> Recorded Investment</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Interest <br/> Income Recognized</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Average <br/> Recorded Investment</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Interest<br/> Income Recognized</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Average<br/> Recorded Investment</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Interest<br/> Income Recognized</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr id="xdx_400_ecustom--ImpairedFinancingReceivableithWithNoRelatedAllowanceRecordedAbstract_iB_zYOjxOocLCmc" style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">With no related allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; padding-left: 0.125in; text-indent: -0.125in">Commercial</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zOOW3Psn95a2" style="width: 7%; text-align: right">1,142,667</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zXpb2LVc08Ji" style="width: 7%; text-align: right">68,602</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zymtQ8hnr9p" style="width: 7%; text-align: right">1,866,590</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zYFaE2rZwzo8" style="width: 7%; text-align: right">102,636</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z94CMb7l1Qr6" style="width: 7%; text-align: right">1,483,982</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zgbcGBiqMZN7" style="width: 7%; text-align: right">94,779</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zVMxlsak4QGc" style="text-align: right">1,645,375</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zrSk7m77UVm7" style="text-align: right">68,031</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_z6yND2yFH0j5" style="text-align: right">4,849,474</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zXVC0BRwfAAl" style="text-align: right">218,372</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zPX19GssThek" style="text-align: right">1,533,720</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zDZl5feOijF4" style="text-align: right">76,183</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zUjjXxDBRabh" style="text-align: right">249,777</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zjHlutoQocfj" style="text-align: right">10,615</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zrwtcMDvL5F1" style="text-align: right">249,813</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zDmYc95qv7F1" style="text-align: right">11,580</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zyE4Va8JpND" style="text-align: right">879,753</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zyuQKlpEKf4c" style="text-align: right">30,400</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_maARI_c20210101__20211231_z2Y2mhrwQ8Xa" style="text-align: right" title="Average Recorded Investment with no related allowance recorded">3,037,819</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_maIIR_c20210101__20211231_z195fEOWrMLa" style="text-align: right" title="Interest Income Recognized with no related allowance recorded">147,248</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20200101__20201231_zV5a0xVPXGd2" style="text-align: right">6,965,877</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20200101__20201231_zJAXCL6z4x1f" style="text-align: right">332,588</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_c20190101__20191231_zbd9uKF1F1Q6" style="text-align: right">3,897,455</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_c20190101__20191231_zx5CQ2IAV3K2" style="text-align: right">201,362</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--ImpairedFinancingReceivableithWithRelatedAllowanceRecordedAbstract_iB_zDVUUazqUA2c" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 0.125in; text-indent: -0.125in">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zak10A4kA0P3" style="text-align: right">378,499</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z9OP3bWbCBzb" style="text-align: right">22,130</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zfYjJ56Vqatd" style="text-align: right">578,399</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zXh1atM13G0g" style="text-align: right">37,663</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zwsAPtQCYKWj" style="text-align: right">725,353</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zHM43xHZ5Ifh" style="text-align: right">44,299</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zNuxDOQHeXBc" style="text-align: right">337,304</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_z857Ruq1w3u7" style="text-align: right">246,884</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_z8JEIJU1Yy1c" style="text-align: right">36,483</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeNetAccrualMethod_maIIR_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_z3oMzNQU71Oi" style="text-align: right" title="Interest Income Recognized with an allowance recorded">(116</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zKKI6OEHMDij" style="text-align: right">41,133</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zREHaUYVQ2sk" style="text-align: right">2,674</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zKPpPWNne7k1" style="text-align: right">42,089</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zMP367xWH2jb" style="text-align: right">2,743</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zQgoztsXWQ45" style="text-align: right">59,240</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zmLJGNylUzk3" style="text-align: right">3,487</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Total</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_maARI_c20210101__20211231_zbqB5ZSOzCy7" style="text-align: right" title="Average Recorded Investment with an allowance recorded">419,632</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_maIIR_c20210101__20211231_zY5lLelshZIa" style="text-align: right" title="Interest Income Recognized with an allowance recorded">24,804</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20200101__20201231_z8IdmFbl6sb6" style="text-align: right">994,275</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_c20200101__20201231_zxNQZcvdzky7" style="text-align: right">40,290</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_c20190101__20191231_z37g9Ryvu6K7" style="text-align: right">1,031,477</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_c20190101__20191231_zL4ZcvMpt2nh" style="text-align: right">47,786</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_ecustom--ImpairedFinancingReceivableithWithOrWithNoRelatedAllowanceRecordedAbstract_iB_zn0DYa5HDJrk" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-left: 0.125in; text-indent: -0.125in">Total</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zE7tJ5At0Nm7" style="text-align: right">1,521,166</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_z07gvqPZ1b78" style="text-align: right">90,732</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zc9qhyYYxNuh" style="text-align: right">2,444,989</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zvGM5M0cULfl" style="text-align: right">140,299</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zjFIGUKbKGzf" style="text-align: right">2,209,335</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember_zkvRa8vnChVb" style="text-align: right">139,078</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zC5FsgoEbFQ3" style="text-align: right">1,645,375</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zwKAj2uu6fqb" style="text-align: right">68,031</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zxtGHRVEDT2" style="text-align: right">5,186,778</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_z7GtnLWnYy9f" style="text-align: right">218,372</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_zMggfr2uMR1" style="text-align: right">1,780,604</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember_z30kV3SWPXo" style="text-align: right">76,183</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zjFWgH25U3z5" style="text-align: right">249,777</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zLnddCacpuQd" style="text-align: right">10,615</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zHSF5Nn0d00d" style="text-align: right">286,296</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zAHyhI807tK6" style="text-align: right">11,464</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zyYUUcQQfqs7" style="text-align: right">879,753</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember_zAMlYT6K4P6l" style="text-align: right">30,400</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zjBQhyg0z2df" style="text-align: right">41,133</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_z01vQc2G6BP7" style="text-align: right">2,674</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zr1kprNWZAT4" style="text-align: right">42,089</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zFgkcYlfIKhh" style="text-align: right">2,743</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zWZJ6VDluBal" style="text-align: right">59,240</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20190101__20191231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember_zmQPOukd6HSd" style="text-align: right">3,487</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Paycheck Protection Program</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_mtARI_c20210101__20211231_zPjnsh91CrJ5" style="border-bottom: Black 2.5pt double; text-align: right" title="Average Recorded Investment">3,457,451</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_mtIIR_c20210101__20211231_zncVmGboH4Gb" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest Income Recognized">172,052</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20200101__20201231_zseGjE47XeQ8" style="border-bottom: Black 2.5pt double; text-align: right">7,960,152</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20200101__20201231_z43YIOQYl4Xg" style="border-bottom: Black 2.5pt double; text-align: right">372,878</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableAverageRecordedInvestment_iT_c20190101__20191231_zxV2uPfNrBP7" style="border-bottom: Black 2.5pt double; text-align: right">4,928,932</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableInterestIncomeAccrualMethod_iT_c20190101__20191231_ziK3H14TQHS6" style="border-bottom: Black 2.5pt double; text-align: right">249,148</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1142667 68602 1866590 102636 1483982 94779 1645375 68031 4849474 218372 1533720 76183 249777 10615 249813 11580 879753 30400 3037819 147248 6965877 332588 3897455 201362 378499 22130 578399 37663 725353 44299 337304 246884 36483 -116 41133 2674 42089 2743 59240 3487 419632 24804 994275 40290 1031477 47786 1521166 90732 2444989 140299 2209335 139078 1645375 68031 5186778 218372 1780604 76183 249777 10615 286296 11464 879753 30400 41133 2674 42089 2743 59240 3487 3457451 172052 7960152 372878 4928932 249148 5 1000000 14 5800000 2 1 2008 439 700000 84 25900000 0.0024 9 4000000 4 2 1 2 500000 75 41 9900000 <p id="xdx_803_eus-gaap--ConcentrationRiskDisclosureTextBlock_zd31vLz89Ra5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>5.</b></span></td><td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_828_zsSM09gcIGAf">CONCENTRATIONS OF CREDIT RISK</span></span></b></span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We grant short to intermediate term commercial and consumer loans to customers throughout our primary market area of Charleston, Berkeley and Dorchester counties of South Carolina. Our primary market area is heavily dependent on tourism, medical, and legal services. Although we have a diversified loan portfolio, a substantial portion of our debtors’ ability to honor their contracts is dependent upon the stability of the economic environment in their primary market. The majority of the loan portfolio is located in our immediate market area with a concentration in real estate related activities.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_898_eus-gaap--SchedulesOfConcentrationOfRiskByRiskFactorTextBlock_zrarNh4It0P4" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B5_z69eW2PRCiA9">Our loans were concentrated in the following categories.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 70%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%">Commercial</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_983_eus-gaap--ConcentrationRiskPercentage1_dp_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zUJoC55QxPSa" style="width: 12%; text-align: right" title="Concentration of credit risk">14.94</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_981_eus-gaap--ConcentrationRiskPercentage1_dp_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_z5FrENuBowU8" style="width: 12%; text-align: right" title="Concentration of credit risk">15.91</td><td style="width: 1%; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ConcentrationRiskPercentage1_dp_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zplhD1hl0Swa" style="text-align: right" title="Concentration of credit risk">3.93</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ConcentrationRiskPercentage1_dp_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zeCWorIUUy2k" style="text-align: right" title="Concentration of credit risk">4.62</td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ConcentrationRiskPercentage1_dp_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zFgbm9LNtUe2" style="text-align: right" title="Concentration of credit risk">54.04</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ConcentrationRiskPercentage1_dp_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_z5aJqLNjlj3k" style="text-align: right" title="Concentration of credit risk">45.57</td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ConcentrationRiskPercentage1_dp_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zddnMtecxHo7" style="text-align: right" title="Concentration of credit risk">23.26</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ConcentrationRiskPercentage1_dp_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zoelm07wQFO" style="text-align: right" title="Concentration of credit risk">22.39</td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ConcentrationRiskPercentage1_dp_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zTl1mJQW4i7f" style="text-align: right" title="Concentration of credit risk">1.23</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ConcentrationRiskPercentage1_dp_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zXlfJLPqTmqa" style="text-align: right" title="Concentration of credit risk">1.40</td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Paycheck Protection Program</td><td> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--ConcentrationRiskPercentage1_dp_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_z8QH59Ho6D9a" style="border-bottom: Black 1pt solid; text-align: right" title="Concentration of credit risk">2.60</td><td style="border-bottom: Black 1pt solid; text-align: left">%</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--ConcentrationRiskPercentage1_dp_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zVwwnjLrugnf" style="border-bottom: Black 1pt solid; text-align: right" title="Concentration of credit risk">10.11</td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Total</td><td> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_984_eus-gaap--ConcentrationRiskPercentage1_dp_c20210101__20211231__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zce0amlFeVb" style="border-bottom: Black 2.5pt double; text-align: right" title="Concentration of credit risk">100.00</td><td style="border-bottom: Black 2.5pt double; text-align: left">%</td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_981_eus-gaap--ConcentrationRiskPercentage1_dp_c20200101__20201231__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zU4u2JkfcRtl" style="border-bottom: Black 2.5pt double; text-align: right" title="Concentration of credit risk">100.00</td><td style="text-align: left; padding-bottom: 2pt">%</td></tr> </table> <p id="xdx_8A4_zQPmEZNdJGki" style="margin-top: 0; margin-bottom: 0"> </p> <p id="xdx_898_eus-gaap--SchedulesOfConcentrationOfRiskByRiskFactorTextBlock_zrarNh4It0P4" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B5_z69eW2PRCiA9">Our loans were concentrated in the following categories.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 70%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%">Commercial</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_983_eus-gaap--ConcentrationRiskPercentage1_dp_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zUJoC55QxPSa" style="width: 12%; text-align: right" title="Concentration of credit risk">14.94</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_981_eus-gaap--ConcentrationRiskPercentage1_dp_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialLoanMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_z5FrENuBowU8" style="width: 12%; text-align: right" title="Concentration of credit risk">15.91</td><td style="width: 1%; text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Commercial Real Estate Construction</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ConcentrationRiskPercentage1_dp_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zplhD1hl0Swa" style="text-align: right" title="Concentration of credit risk">3.93</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ConcentrationRiskPercentage1_dp_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialRealEstatePortfolioSegmentMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zeCWorIUUy2k" style="text-align: right" title="Concentration of credit risk">4.62</td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Commercial Real Estate Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ConcentrationRiskPercentage1_dp_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zFgbm9LNtUe2" style="text-align: right" title="Concentration of credit risk">54.04</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ConcentrationRiskPercentage1_dp_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_z5aJqLNjlj3k" style="text-align: right" title="Concentration of credit risk">45.57</td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Consumer Real Estate</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ConcentrationRiskPercentage1_dp_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zddnMtecxHo7" style="text-align: right" title="Concentration of credit risk">23.26</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ConcentrationRiskPercentage1_dp_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ResidentialMortgageMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zoelm07wQFO" style="text-align: right" title="Concentration of credit risk">22.39</td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Consumer Other</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ConcentrationRiskPercentage1_dp_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zTl1mJQW4i7f" style="text-align: right" title="Concentration of credit risk">1.23</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ConcentrationRiskPercentage1_dp_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--ConsumerPortfolioSegmentMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zXlfJLPqTmqa" style="text-align: right" title="Concentration of credit risk">1.40</td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Paycheck Protection Program</td><td> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--ConcentrationRiskPercentage1_dp_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_z8QH59Ho6D9a" style="border-bottom: Black 1pt solid; text-align: right" title="Concentration of credit risk">2.60</td><td style="border-bottom: Black 1pt solid; text-align: left">%</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--ConcentrationRiskPercentage1_dp_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--PaycheckProtectionProgramMember__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zVwwnjLrugnf" style="border-bottom: Black 1pt solid; text-align: right" title="Concentration of credit risk">10.11</td><td style="text-align: left">%</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Total</td><td> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_984_eus-gaap--ConcentrationRiskPercentage1_dp_c20210101__20211231__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zce0amlFeVb" style="border-bottom: Black 2.5pt double; text-align: right" title="Concentration of credit risk">100.00</td><td style="border-bottom: Black 2.5pt double; text-align: left">%</td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_981_eus-gaap--ConcentrationRiskPercentage1_dp_c20200101__20201231__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CreditConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--LoansReceivableMember_zU4u2JkfcRtl" style="border-bottom: Black 2.5pt double; text-align: right" title="Concentration of credit risk">100.00</td><td style="text-align: left; padding-bottom: 2pt">%</td></tr> </table> 0.1494 0.1591 0.0393 0.0462 0.5404 0.4557 0.2326 0.2239 0.0123 0.0140 0.0260 0.1011 1.0000 1.0000 <p id="xdx_80D_eus-gaap--PropertyPlantAndEquipmentDisclosureTextBlock_z7sNPUyhAmSf" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b>6.</b></span></td><td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b><span style="text-decoration: underline"><span id="xdx_828_z8cY8NO4IXZg">PREMISES, EQUIPMENT AND LEASEHOLD IMPROVEMENTS</span></span></b></span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89F_eus-gaap--PropertyPlantAndEquipmentTextBlock_ztiC4gBS3Ic" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B6_zSXkPWof2sAk">Premises, equipment and leasehold improvements are summarized in the table below.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 70%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; text-align: left">Bank buildings</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--BuildingMember_pp0p0" style="width: 12%; text-align: right" title="Premises, equipment and leasehold improvements, gross">1,861,237</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--BuildingMember_pp0p0" style="width: 12%; text-align: right" title="Premises, equipment and leasehold improvements, gross">1,861,237</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>Land</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LandMember_pp0p0" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">838,075</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LandMember_pp0p0" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">838,075</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Leasehold purchases</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdsAndLeaseholdImprovementsMember_pp0p0" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">30,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdsAndLeaseholdImprovementsMember_pp0p0" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">30,000</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Leasehold improvements</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember_pp0p0" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">2,595,825</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember_pp0p0" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">2,589,195</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Construction in progress</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ConstructionInProgressMember_pp0p0" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">31,654</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PropertyPlantAndEquipmentGross_iI_pp0p0_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ConstructionInProgressMember_zHePTzNjlbKh" style="text-align: right">24,307</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>Equipment</td><td> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--EquipmentMember_pp0p0" style="border-bottom: Black 1pt solid; text-align: right" title="Premises, equipment and leasehold improvements, gross">4,241,305</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--EquipmentMember_pp0p0" style="border-bottom: Black 1pt solid; text-align: right" title="Premises, equipment and leasehold improvements, gross">4,113,013</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PropertyPlantAndEquipmentGross_iI_maPPE_c20211231_zB6ItIT5uTO2" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">9,598,096</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PropertyPlantAndEquipmentGross_iI_c20201231_zn64J7q509Ca" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">9,455,827</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accumulated depreciation</td><td> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_di_msPPE_c20211231_zaAGbZUSdJT8" style="border-bottom: Black 1pt solid; text-align: right" title="Accumulated depreciation">(5,815,160</td><td style="border-bottom: Black 1pt solid; text-align: left">)</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_di_c20201231_zI6DHoNx4aG6" style="border-bottom: Black 1pt solid; text-align: right" title="Accumulated depreciation">(5,402,294</td><td style="text-align: left; padding-bottom: 1pt">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Total</td><td> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--PropertyPlantAndEquipmentNet_iTI_pp0p0_mtPPE_c20211231_zFPvMMARSCya" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">3,782,936</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--PropertyPlantAndEquipmentNet_iTI_pp0p0_c20201231_z3Fq3jVlfLe9" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">4,053,533</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AC_zsKPBq17ZGsi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Depreciation on our bank premises and equipment charged to operating expense totaled $<span id="xdx_904_eus-gaap--DepreciationAmortizationAndAccretionNet_c20210101__20211231_pp0p0" title="Depreciation">412,866</span>, $<span id="xdx_906_eus-gaap--DepreciationAmortizationAndAccretionNet_c20200101__20201231_pp0p0" title="Depreciation">421,040</span>, and $<span id="xdx_901_eus-gaap--DepreciationAmortizationAndAccretionNet_c20190101__20191231_pp0p0" title="Depreciation">230,377</span>, during the year ended December 31, 2021, 2020, and 2019, respectively.</span></p> <p id="xdx_89F_eus-gaap--PropertyPlantAndEquipmentTextBlock_ztiC4gBS3Ic" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B6_zSXkPWof2sAk">Premises, equipment and leasehold improvements are summarized in the table below.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 70%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; text-align: left">Bank buildings</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--BuildingMember_pp0p0" style="width: 12%; text-align: right" title="Premises, equipment and leasehold improvements, gross">1,861,237</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--BuildingMember_pp0p0" style="width: 12%; text-align: right" title="Premises, equipment and leasehold improvements, gross">1,861,237</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>Land</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LandMember_pp0p0" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">838,075</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LandMember_pp0p0" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">838,075</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Leasehold purchases</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdsAndLeaseholdImprovementsMember_pp0p0" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">30,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdsAndLeaseholdImprovementsMember_pp0p0" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">30,000</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Leasehold improvements</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember_pp0p0" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">2,595,825</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LeaseholdImprovementsMember_pp0p0" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">2,589,195</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Construction in progress</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ConstructionInProgressMember_pp0p0" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">31,654</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PropertyPlantAndEquipmentGross_iI_pp0p0_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ConstructionInProgressMember_zHePTzNjlbKh" style="text-align: right">24,307</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td>Equipment</td><td> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--EquipmentMember_pp0p0" style="border-bottom: Black 1pt solid; text-align: right" title="Premises, equipment and leasehold improvements, gross">4,241,305</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--EquipmentMember_pp0p0" style="border-bottom: Black 1pt solid; text-align: right" title="Premises, equipment and leasehold improvements, gross">4,113,013</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PropertyPlantAndEquipmentGross_iI_maPPE_c20211231_zB6ItIT5uTO2" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">9,598,096</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PropertyPlantAndEquipmentGross_iI_c20201231_zn64J7q509Ca" style="text-align: right" title="Premises, equipment and leasehold improvements, gross">9,455,827</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Accumulated depreciation</td><td> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_di_msPPE_c20211231_zaAGbZUSdJT8" style="border-bottom: Black 1pt solid; text-align: right" title="Accumulated depreciation">(5,815,160</td><td style="border-bottom: Black 1pt solid; text-align: left">)</td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_di_c20201231_zI6DHoNx4aG6" style="border-bottom: Black 1pt solid; text-align: right" title="Accumulated depreciation">(5,402,294</td><td style="text-align: left; padding-bottom: 1pt">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Total</td><td> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--PropertyPlantAndEquipmentNet_iTI_pp0p0_mtPPE_c20211231_zFPvMMARSCya" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">3,782,936</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--PropertyPlantAndEquipmentNet_iTI_pp0p0_c20201231_z3Fq3jVlfLe9" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">4,053,533</td><td style="text-align: left"> </td></tr> </table> 1861237 1861237 838075 838075 30000 30000 2595825 2589195 31654 24307 4241305 4113013 9598096 9455827 5815160 5402294 3782936 4053533 412866 421040 230377 <p id="xdx_803_eus-gaap--LesseeOperatingLeasesTextBlock_zfoKSWpO9cbk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b>7.</b></span></td><td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b><span style="text-decoration: underline"><span id="xdx_82A_zDRkcXb1OSV8">LEASES</span></span></b></span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As of December 31, 2021 and 2020, the Company had operating right of use (“ROU”) assets of $<span id="xdx_908_eus-gaap--OperatingLeaseRightOfUseAsset_iI_dxL_c20211231_z6uGnyVN1dD2" title="::XDX::14%2C041%2C843"><span style="-sec-ix-hidden: xdx2ixbrl1663">14</span></span>.0 million and $<span id="xdx_902_eus-gaap--OperatingLeaseRightOfUseAsset_iI_dmxL_c20201231_zjRzOMWYQpKe" title="::XDX::12%2C730%2C151"><span style="-sec-ix-hidden: xdx2ixbrl1664">12.7 million</span></span>, respectively, and operating lease liabilities of $<span id="xdx_90D_eus-gaap--OperatingLeaseLiability_iI_dmxL_c20211231_zfxKnoEZIYug" title="::XDX::14%2C041%2C843"><span style="-sec-ix-hidden: xdx2ixbrl1665">14.0 million</span></span> and $<span id="xdx_90C_eus-gaap--OperatingLeaseLiability_iI_dmxL_c20201231_zCVkZJEKnHf6" title="::XDX::12%2C730%2C151"><span style="-sec-ix-hidden: xdx2ixbrl1666">12.7 million</span></span>, respectively. The Company maintains operating leases on land, branch facilities, and parking. Operating leases generally contain initial fixed payment terms that adjust in future years based on the consumer price index or similar measure. Most of the leases include one or more options to renew, with renewal terms extending up to <span id="xdx_900_eus-gaap--LesseeOperatingLeaseRenewalTerm_iI_dtY_c20211231_zWIswG5Z51" title="Renewal terms">20</span> years. Leases with an initial term of 12 months or less are not recorded on the balance sheet and are recognized in lease expense.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As of December 31, 2021, the weighted average remaining lease term is <span id="xdx_902_eus-gaap--LesseeOperatingLeaseRemainingLeaseTerm_iI_dtY_c20211231_zarRMZzXHVwh" title="Weighted average remaining lease term">16.56</span> years and the weighted average incremental borrowing rate is <span id="xdx_903_eus-gaap--OperatingLeaseWeightedAverageDiscountRatePercent_iI_dp_uPure_c20211231_zBZZyNHgPbNe" title="Weighted average incremental borrowing rate">4.08</span>%.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_890_eus-gaap--LesseeOperatingLeaseLiabilityMaturityTableTextBlock_zrUiDLHb4Cad" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The exercise of renewal options is based on the sole judgement of management and what they consider to be reasonably certain. Based on the market areas, past practices, and contract terms of all leases, the Bank assumed all renewal options will be exercised. <span id="xdx_8B5_zKaRV2SQMEqb">Minimum rental commitments for these leases as of December 31, 2021 are presented in the table below.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 70%; margin-left: 0.5in"> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20211231_zrAByb9exTXc" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pp0p0_maLOLLPz0RL_zLz81oGr931" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 49%; text-align: left">2022</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,175,080</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_iI_pp0p0_maLOLLPz0RL_zwEVKDTd2cva" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2023</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,175,080</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_iI_pp0p0_maLOLLPz0RL_zOg4TtGpb4zg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">2024</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,175,080</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_iI_pp0p0_maLOLLPz0RL_zcQq5APH6XZg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2025</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,175,080</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_iI_pp0p0_maLOLLPz0RL_zO9zpxFBzlQ8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2026 and thereafter</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">13,403,850</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_iTI_pp0p0_mtLOLLPz0RL_zOudbNwdviDk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total undisclosed lease payments</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td style="border-bottom: Black 1pt solid; text-align: right">18,104,170</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_di_zuKw6YawfoE3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Less: effect of discounting</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(4,062,327</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40F_eus-gaap--OperatingLeaseLiability_iI_pp0p0" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Present value of estimated lease payments</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">14,041,843</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A5_z9RWSFkJGSgl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_894_eus-gaap--LeaseCostTableTextBlock_zSE9i5zXAPs6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font: 10pt Times New Roman, Times, Serif"><span id="xdx_8B7_zst5SdC3BBi">The table below shows lease expense components for the year ended December 31, 2021 and 2020.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 60%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_496_20210101__20211231_z7Q8kqGoJ0Qk" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_491_20200101__20201231_zgYHfJg1Xddh" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td>Lease Expense Components:</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_401_eus-gaap--OperatingLeaseCost_maLCzzh3_maLCz43i_maLCzRm1_zRTsVejN24o4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 34%; text-align: left">Operating lease expense</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,139,393</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">972,815</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--ShortTermLeaseCost_maLCzzh3_maLCzMNU_zhnthXLhadKk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Short-term lease expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1700">—</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1701">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--LeaseCost_iT_mtLCzzh3_mtLCzMNU_zovRmkzRq4Hc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt">Total lease expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,139,393</td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">972,815</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A2_zU27zPVBXq7b" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">Total rental expense was $<span id="xdx_90B_eus-gaap--OperatingLeaseCost_pp0p0_c20210101__20211231_zcOIsr6p8vI" title="Rent expense">1,139,393</span>, $<span id="xdx_904_eus-gaap--OperatingLeaseCost_pp0p0_c20200101__20201231_z9q4aMVSDIBk" title="Rent expense">972,815</span> and $<span id="xdx_90C_eus-gaap--OperatingLeaseCost_pp0p0_c20190101__20191231_z3WtvM1oiDZh" title="Rent expense">623,998</span>, a during the year ended December 31, 2021, 2020 and 2019, respectively.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As of December 31, 2021, we did not maintain any finance leases and we determined that the number and dollar amount of equipment leases was immaterial. As of December 31, 2021, we have no additional operating leases that have not yet commenced.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We rented office space at 1071 Morrison Drive, Charleston, South Carolina, from a related party, to house our Mortgage Department during the year ended December 31, 2019. Rent expense for this lease was $<span id="xdx_905_eus-gaap--OperatingLeaseCost_pp0p0_c20190101__20191231__us-gaap--RelatedPartyTransactionsByRelatedPartyAxis__srt--AffiliatedEntityMember_z8kRmB1QAgL5" title="Rent expense">46,538</span> for the year ended December 31, 2019. This lease ended in September 2019. </span></p> P20Y P16Y6M21D 0.0408 <p id="xdx_890_eus-gaap--LesseeOperatingLeaseLiabilityMaturityTableTextBlock_zrUiDLHb4Cad" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The exercise of renewal options is based on the sole judgement of management and what they consider to be reasonably certain. Based on the market areas, past practices, and contract terms of all leases, the Bank assumed all renewal options will be exercised. <span id="xdx_8B5_zKaRV2SQMEqb">Minimum rental commitments for these leases as of December 31, 2021 are presented in the table below.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 70%; margin-left: 0.5in"> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20211231_zrAByb9exTXc" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_iI_pp0p0_maLOLLPz0RL_zLz81oGr931" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 49%; text-align: left">2022</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,175,080</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_iI_pp0p0_maLOLLPz0RL_zwEVKDTd2cva" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2023</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,175,080</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearThree_iI_pp0p0_maLOLLPz0RL_zOg4TtGpb4zg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">2024</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,175,080</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueYearFour_iI_pp0p0_maLOLLPz0RL_zcQq5APH6XZg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">2025</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,175,080</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive_iI_pp0p0_maLOLLPz0RL_zO9zpxFBzlQ8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2026 and thereafter</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">13,403,850</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--LesseeOperatingLeaseLiabilityPaymentsDue_iTI_pp0p0_mtLOLLPz0RL_zOudbNwdviDk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total undisclosed lease payments</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td style="border-bottom: Black 1pt solid; text-align: right">18,104,170</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_iNI_di_zuKw6YawfoE3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Less: effect of discounting</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(4,062,327</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40F_eus-gaap--OperatingLeaseLiability_iI_pp0p0" style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Present value of estimated lease payments</span></td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">14,041,843</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1175080 1175080 1175080 1175080 13403850 18104170 4062327 14041843 <p id="xdx_894_eus-gaap--LeaseCostTableTextBlock_zSE9i5zXAPs6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font: 10pt Times New Roman, Times, Serif"><span id="xdx_8B7_zst5SdC3BBi">The table below shows lease expense components for the year ended December 31, 2021 and 2020.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 60%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_496_20210101__20211231_z7Q8kqGoJ0Qk" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_491_20200101__20201231_zgYHfJg1Xddh" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="6" style="font-weight: bold; text-align: center">December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td>Lease Expense Components:</td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_401_eus-gaap--OperatingLeaseCost_maLCzzh3_maLCz43i_maLCzRm1_zRTsVejN24o4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 34%; text-align: left">Operating lease expense</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">1,139,393</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">972,815</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--ShortTermLeaseCost_maLCzzh3_maLCzMNU_zhnthXLhadKk" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Short-term lease expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1700">—</span></td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1701">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--LeaseCost_iT_mtLCzzh3_mtLCzMNU_zovRmkzRq4Hc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt">Total lease expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,139,393</td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">972,815</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1139393 972815 1139393 972815 1139393 972815 623998 46538 <p id="xdx_807_eus-gaap--DepositLiabilitiesDisclosuresTextBlock_zP3YEAxUTyQk" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>8.</b></span></td><td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_826_zUgFd19p7Jo9">DEPOSITS</span></span></b></span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As of December 31, 2021 and 2020, certificates of deposit of $250,000 or more totaled approximately $<span id="xdx_906_ecustom--TimeDepositsOver250000_iI_pp0p0_c20211231_zF5rHrvBCvi6" title="Certificates of deposit over $250,000">7,417,864</span> and $<span id="xdx_90B_ecustom--TimeDepositsOver250000_iI_pp0p0_c20201231_zua2vlzPB3oc">4,493,189</span>, respectively.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_890_ecustom--ScheduleOfMaturitiesOfDepositLiabilitiesTableTextBlock_zilaHOepYeE8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B6_zUpmuUEle5Dg">The scheduled maturities of certificates of deposit as of December 31, 2021 are presented in the table below</span>:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 70%; margin-left: 0.5in"> <tr style="vertical-align: bottom; background-color: white"> <td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20211231_zQUeGH5MBua8" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--TimeDepositMaturitiesYearOne_iI_maTDz4G2_zj2hPQRis9cd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 12%; text-align: right">2022</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 71%"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">19,313,002</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--TimeDepositMaturitiesYearTwo_iI_maTDz4G2_zMJIWYz5DjX5" style="vertical-align: bottom; background-color: White"> <td style="text-align: right">2023</td><td style="text-align: left"> </td><td> </td> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">974,891</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--TimeDepositMaturitiesYearThree_iI_maTDz4G2_zw51QKr0UDed" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right">2024</td><td style="text-align: left"> </td><td> </td> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">161,337</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--TimeDepositMaturitiesYearFour_iI_maTDz4G2_z7CEGIIJAsci" style="vertical-align: bottom; background-color: White"> <td style="text-align: right">2025</td><td style="text-align: left"> </td><td> </td> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">51,945</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--TimeDepositMaturitiesAfterYearFive_iI_maTDz4G2_zM992VAQLWKc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right">2026</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt">and thereafter</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">787,045</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--TimeDeposits_iTI_mtTDz4G2_c20211231_zKLPPLLFucnj" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">21,288,220</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A8_zEq9t8MJrxZa" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As of December 31, 2021 and 2020, deposits with a deficit balance of $<span id="xdx_90E_eus-gaap--DepositLiabilitiesReclassifiedAsLoansReceivable1_c20211231_pp0p0" title="Deposits with deficit balance reclassified as other loans">28,549</span> and $<span id="xdx_901_eus-gaap--DepositLiabilitiesReclassifiedAsLoansReceivable1_c20201231_pp0p0" title="Deposits with deficit balance reclassified as other loans">100,304</span>, respectively, were re-classified as other loans.</span></p> 7417864 4493189 <p id="xdx_890_ecustom--ScheduleOfMaturitiesOfDepositLiabilitiesTableTextBlock_zilaHOepYeE8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B6_zUpmuUEle5Dg">The scheduled maturities of certificates of deposit as of December 31, 2021 are presented in the table below</span>:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 70%; margin-left: 0.5in"> <tr style="vertical-align: bottom; background-color: white"> <td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20211231_zQUeGH5MBua8" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--TimeDepositMaturitiesYearOne_iI_maTDz4G2_zj2hPQRis9cd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 12%; text-align: right">2022</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 71%"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">19,313,002</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--TimeDepositMaturitiesYearTwo_iI_maTDz4G2_zMJIWYz5DjX5" style="vertical-align: bottom; background-color: White"> <td style="text-align: right">2023</td><td style="text-align: left"> </td><td> </td> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">974,891</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--TimeDepositMaturitiesYearThree_iI_maTDz4G2_zw51QKr0UDed" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right">2024</td><td style="text-align: left"> </td><td> </td> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">161,337</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--TimeDepositMaturitiesYearFour_iI_maTDz4G2_z7CEGIIJAsci" style="vertical-align: bottom; background-color: White"> <td style="text-align: right">2025</td><td style="text-align: left"> </td><td> </td> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">51,945</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--TimeDepositMaturitiesAfterYearFive_iI_maTDz4G2_zM992VAQLWKc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right">2026</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="text-align: left; padding-bottom: 1pt">and thereafter</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">787,045</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="padding-bottom: 2.5pt"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--TimeDeposits_iTI_mtTDz4G2_c20211231_zKLPPLLFucnj" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">21,288,220</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 19313002 974891 161337 51945 787045 21288220 28549 100304 <p id="xdx_802_eus-gaap--ShortTermDebtTextBlock_zab3hkNl9PDe" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>9.</b></span></td><td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b><span style="text-decoration: underline"><span id="xdx_823_zeqJdumGUnI5">SHORT-TERM BORROWINGS </span></span></b></span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At December 31, 2021 and 2020, we had no outstanding federal funds purchased. We have a Borrower-In-Custody arrangement with the Federal Reserve. This arrangement permits the Company to retain possession of loans pledged as collateral to secure advances from the Federal Reserve Discount Window. Under this agreement, we may borrow up to $<span id="xdx_909_eus-gaap--LineOfCreditFacilityMaximumBorrowingCapacity_iI_pn5n6_c20211231__us-gaap--CreditFacilityAxis__us-gaap--FederalReserveBankAdvancesMember_z1xNFpb1Kvqa" title="Line of credit maximum borrowing capacity">72.1</span> million as of December 31, 2021. We established this arrangement as an additional source of liquidity. There have been no borrowings under this arrangement.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At December 31, 2021 and 2020, the Bank had unused short-term lines of credit totaling approximately $<span id="xdx_90C_eus-gaap--LineOfCreditFacilityRemainingBorrowingCapacity_iI_pn5n6_c20211231_zJCvCYpIJmgj" title="Unused balance of line of credit">41</span>.0 million and $<span id="xdx_901_eus-gaap--LineOfCreditFacilityRemainingBorrowingCapacity_iI_pn5n6_c20201231_zCmXhsv1EBxe" title="Unused balance of line of credit">23</span>.0 million, respectively (which are withdrawable at the lender’s option).</span></p> 72100000 41000000 23000000 <p id="xdx_804_eus-gaap--IncomeTaxDisclosureTextBlock_zgkOU5eetsq4" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b>10.</b></span></td><td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b><span style="text-decoration: underline"><span id="xdx_829_zPdo48MfUu97">INCOME TAXES </span></span></b></span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89C_ecustom--ScheduleOfIncomeTaxExpenseBenefitTableTextBlock_zaHo7redXKD9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B4_zlsJVyEAimG7">Total income taxes for the years ended December 31, 2021, 2020 and 2019 are presented in the table below.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49A_20210101__20211231_zxSXS5NuUPLa" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_494_20200101__20201231_zYmKIhC3Spse" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20190101__20191231_zh4d4ERA4AFl" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">For the year ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_402_eus-gaap--IncomeTaxExpenseBenefit_maTITzC4x_zzRL64q6DqS1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Income tax expense</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">2,071,503</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,965,679</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">2,175,274</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--OtherComprehensiveIncomeLossTax_maTITzC4x_z2uxRVO2jOW4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Unrealized gains (losses) on securities available for sale presented in accumulated other comprehensive income (loss)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,010,881</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">315,546</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(600,765</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40C_ecustom--TotalIncomeTaxes_iT_pp0p0_mtTITzC4x_z9xJ0rXBPJDa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,060,622</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,281,225</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,574,509</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_893_eus-gaap--ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_zEV2p5YmHARf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"><span>Income tax expense was as follows</span>:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_495_20210101__20211231_zxxFmehE2HA3" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_493_20200101__20201231_zjpDspAJrtwi" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_499_20190101__20191231_zXHxUImxZ6S1" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">For the year ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_400_eus-gaap--CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_iB" style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Current income taxes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--CurrentFederalTaxExpenseBenefit_i01_pp0p0_maCITEBzRaY_zfE9xpFxPdSl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-indent: -0.125in; padding-left: 0.25in">Federal</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,796,283</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,543,334</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,742,430</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--CurrentStateAndLocalTaxExpenseBenefit_i01_pp0p0_maCITEBzRaY_zPbryGxEYNDl" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">State</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">321,971</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1772">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1773">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--CurrentIncomeTaxExpenseBenefit_i01T_pp0p0_mtCITEBzRaY_maITEBzMBv_zQH5ypEu8gKb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Total current tax expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,118,254</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,543,334</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,742,430</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--DeferredIncomeTaxExpenseBenefit_maITEBzMBv_z2LMw1GbzUq3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Deferred income tax (benefit) expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(46,751</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">422,345</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">432,844</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--IncomeTaxExpenseBenefit_iT_pp0p0_mtITEBzMBv_zzX5y9JKjWFe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Total income tax expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,071,503</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,965,679</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,175,274</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A1_zdFToPC6tTd2" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_890_eus-gaap--ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_zW2zYxs3lMg9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"><span id="xdx_8BF_zJZiXqgm7Mbk">The differences between actual income tax expense and the amounts computed by applying the U.S. federal income tax rate of 21% to pretax income from continuing operations for the periods indicated are reconciled in the table below.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49A_20210101__20211231_zoNbMeIJLyEa" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_491_20200101__20201231_zw4SRjRTJoF5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_493_20190101__20191231_zEPJgbz9wced" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">For the year ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_406_eus-gaap--IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_maITEBzbAh_z4XNaAdrXKM5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Computed “expected” tax expense</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,851,433</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,769,525</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,993,679</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Increase (reduction) in income taxes resulting from:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--IncomeTaxReconciliationNondeductibleExpenseAmortization_i01_pp0p0_maITEBzbAh_zbVKJdpwHLef" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Amortization of credit and gain</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1800">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1801">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,685</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost_i01_pp0p0_maITEBzbAh_zh8EFbovnPG4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Stock based compensation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,637</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,527</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,391</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance_i01_maITEBzbAh_zpzd55Ur61o6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Valuation allowance</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,658</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,083</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,123</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--IncomeTaxReconciliationOtherAdjustments_i01_pp0p0_maITEBzbAh_zwZNvk0vvg0a" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Other</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,477</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,259</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,233</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--IncomeTaxReconciliationStateAndLocalIncomeTaxes_i01_pp0p0_maITEBzbAh_zq3SOwfsS0i1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">State income tax, net of federal benefit</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">248,887</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">238,729</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">268,000</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--IncomeTaxReconciliationTaxExemptIncome_i01N_pp0p0_di_msITEBzbAh_zTmvXUtIBI85" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Tax exempt interest income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(65,589</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(77,444</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(117,837</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_404_eus-gaap--IncomeTaxExpenseBenefit_iT_pp0p0_mtITEBzbAh_zuukZdLwL94a" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in"><span style="display: none">Total income tax expense</span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,071,503</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,965,679</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,175,274</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A3_zmPh18Ok6Rxl" style="margin-top: 0; margin-bottom: 0"> </p> <p id="xdx_89A_eus-gaap--ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_zTrHZLlYrUI9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BC_z9LmBbnB0db5">The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020 are presented below.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" id="xdx_49E_20211231_zS9daEKhktb9" style="font-weight: bold; text-align: center; vertical-align: bottom"><p style="margin-top: 0; margin-bottom: 0"/> <p style="margin-top: 0; margin-bottom: 0"> </p></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: left; vertical-align: bottom"> </td> <td colspan="2" id="xdx_49C_20201231_z64j1Ou78yse" style="font-weight: bold; text-align: center; vertical-align: bottom"><p style="margin-top: 0; margin-bottom: 0"/> <p style="margin-top: 0; margin-bottom: 0"> </p></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"> December 31,</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><p style="margin-top: 0; margin-bottom: 0"/> <p style="margin-top: 0; margin-bottom: 0">2021</p></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: left; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><p style="margin-top: 0; margin-bottom: 0"/> <p style="margin-top: 0; margin-bottom: 0">2020</p></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr id="xdx_40C_eus-gaap--DeferredTaxAssetsNetAbstract_iB" style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Deferred tax assets:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_i01I_pp0p0_maDTAGzMef_zEOvL9pHibX9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 70%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Allowance for loan losses</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">905,365</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">849,159</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--DeferredTaxAssetsLiabilitiesTaxCreditCarryforwards_i01I_maDTAGzMef_znfoT04sKEd1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">State credit carryforward</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1839">—</span></td><td style="text-align: left"/><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,762</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DeferredTaxAssetsDeferredIncome_i01I_pp0p0_maDTAGzMef_zBQNHDxPwG6c" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Deferred loan fees</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">102,581</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">141,993</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--DeferredTaxAssetsPassThroughIncome_i01I_pp0p0_maDTAGzMef_zF6GRQ2ReDD3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Passthrough income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">26,525</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">26,525</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal_i01I_pp0p0_maDTAGzMef_zxxhByCWBCL1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">State net operating loss carryforward</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">97,655</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">89,997</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--DeferredTaxAssetsNonaccrualInterest_i01I_pp0p0_maDTAGzMef_zea066OvKVe2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Nonaccrual interest</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">29,246</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">30,528</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--DeferredTaxAssetsOther_i01I_pp0p0_maDTAGzMef_zSiEezep4Fi7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">9,432</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">9,432</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--DeferredTaxAssetsGross_i01TI_pp0p0_mtDTAGzMef_maDTANzVws_zUGy8bno5NK9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Total gross deferred tax assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,170,804</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,153,396</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DeferredTaxAssetsValuationAllowance_i01NI_pp0p0_di_msDTANzVws_zSpVnJfebxXj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Valuation allowance</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(97,655</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(89,997</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40F_eus-gaap--DeferredTaxAssetsNet_i01TI_pp0p0_mtDTANzVws_maDTALNzVel_msDTL_zIdSWmwsZ83j" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Total gross deferred tax assets, net of valuation allowance</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,073,149</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,063,399</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxAssetsLiabilitiesNetAbstract_iB_zi68vUbAo9b8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Deferred tax liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DeferredTaxLiabilitiesPropertyPlantAndEquipment_i01NI_di_maDITLzIAB_zZucvGteSLL2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Fixed assets, principally due to differences in depreciation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(338,716</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(382,668</td><td style="text-align: left">)</td></tr> <tr id="xdx_407_ecustom--DeferredTaxLiabilitiesUnrealizedGainLossOnAvailableforSaleSecurities_i01NI_pp0p0_di_maDITLzIAB_z3KB5GG3z7ic" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Unrealized (gain) loss on securities available for sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,360,199</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(443,889</td><td style="text-align: left">)</td></tr> <tr id="xdx_40E_ecustom--DeferredTaxLiabilitiesStateCreditCarryforward_i01NI_pp0p0_di_maDITLzIAB_z21itLCBUimf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">State credit carryforward</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(5,672</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1876">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DeferredTaxLiabilitiesPrepaidExpenses_i01NI_pp0p0_di_maDITLzIAB_zNJ3zbiBvRU9" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Prepaid expenses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(29,869</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(21,633</td><td style="text-align: left">)</td></tr> <tr id="xdx_40C_eus-gaap--DeferredTaxLiabilitiesOther_i01NI_di_maDITLzIAB_zfSAHSKS58qg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(58,619</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(57,918</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_402_eus-gaap--DeferredIncomeTaxLiabilities_i01NTI_di_mtDITLzIAB_msDTALNzVel_maDTL_z57coXuIz6h6" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in"><span style="display: none">Total deferred tax liabilities</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,793,075</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(906,108</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Net deferred tax (liability) asset</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--DeferredTaxLiabilities_iNTI_di_mtDTL_c20211231_zM9UHVGHE6f2" style="border-bottom: Black 2.5pt double; text-align: right" title="Net deferred tax (liability)">(719,926</td><td style="padding-bottom: 2pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--DeferredTaxAssetsLiabilitiesNet_iTI_mtDTALNzVel_c20201231_zWH3aS3MJM4f" style="border-bottom: Black 2.5pt double; text-align: right" title="Net deferred tax asset">157,291</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A7_zKGarZzU4ooe" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">There was a $<span id="xdx_908_eus-gaap--DeferredTaxAssetsValuationAllowance_iI_c20211231_zjdpK1pxRtu9" title="Deferred tax asset, valuation allowance">97,655</span> and $<span id="xdx_902_eus-gaap--DeferredTaxAssetsValuationAllowance_iI_pp0p0_c20201231_z6IbtWlSBCC3" title="Deferred tax asset, valuation allowance">89,997</span> valuation allowance for deferred tax assets at December 31, 2021 and 2020, respectively, associated with the Company’s state tax credits. In assessing the realization of deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred income tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible and prior to their expiration governed by the income tax code. Management considers the scheduled reversal of deferred tax liabilities, projected future taxable income, and tax planning strategies in making this assessment. Based upon the level of historical taxable income and projections for future taxable income over the periods during which the deferred income tax assets are expected to be deductible, management believes it is more likely than not the Company will realize the benefits of these deductible differences, net of the existing valuation allowance at December 31, 2021 and 2020. The amount of the deferred income tax asset considered realizable, however, could be reduced in the near term if estimates of future taxable income during the carry forward period are reduced.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company measures deferred tax assets and liabilities using enacted tax rates that will apply in the years in which the temporary differences are expected to be recovered or paid.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company has analyzed the tax positions taken or expected to be taken in its tax returns and concluded it has no liability related to uncertain tax positions in accordance with applicable regulations.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax returns for 2018 and subsequent years are subject to examination by taxing authorities.</span></p> <p id="xdx_89C_ecustom--ScheduleOfIncomeTaxExpenseBenefitTableTextBlock_zaHo7redXKD9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B4_zlsJVyEAimG7">Total income taxes for the years ended December 31, 2021, 2020 and 2019 are presented in the table below.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49A_20210101__20211231_zxSXS5NuUPLa" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_494_20200101__20201231_zYmKIhC3Spse" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20190101__20191231_zh4d4ERA4AFl" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">For the year ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_402_eus-gaap--IncomeTaxExpenseBenefit_maTITzC4x_zzRL64q6DqS1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Income tax expense</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">2,071,503</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,965,679</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">2,175,274</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--OtherComprehensiveIncomeLossTax_maTITzC4x_z2uxRVO2jOW4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Unrealized gains (losses) on securities available for sale presented in accumulated other comprehensive income (loss)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,010,881</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">315,546</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(600,765</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40C_ecustom--TotalIncomeTaxes_iT_pp0p0_mtTITzC4x_z9xJ0rXBPJDa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,060,622</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,281,225</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,574,509</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_893_eus-gaap--ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_zEV2p5YmHARf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"><span>Income tax expense was as follows</span>:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_495_20210101__20211231_zxxFmehE2HA3" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_493_20200101__20201231_zjpDspAJrtwi" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_499_20190101__20191231_zXHxUImxZ6S1" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">For the year ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_400_eus-gaap--CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_iB" style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Current income taxes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--CurrentFederalTaxExpenseBenefit_i01_pp0p0_maCITEBzRaY_zfE9xpFxPdSl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-indent: -0.125in; padding-left: 0.25in">Federal</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,796,283</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,543,334</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,742,430</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--CurrentStateAndLocalTaxExpenseBenefit_i01_pp0p0_maCITEBzRaY_zPbryGxEYNDl" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">State</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">321,971</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1772">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1773">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--CurrentIncomeTaxExpenseBenefit_i01T_pp0p0_mtCITEBzRaY_maITEBzMBv_zQH5ypEu8gKb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Total current tax expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,118,254</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,543,334</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,742,430</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--DeferredIncomeTaxExpenseBenefit_maITEBzMBv_z2LMw1GbzUq3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Deferred income tax (benefit) expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(46,751</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">422,345</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">432,844</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--IncomeTaxExpenseBenefit_iT_pp0p0_mtITEBzMBv_zzX5y9JKjWFe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Total income tax expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,071,503</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,965,679</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,175,274</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 2071503 1965679 2175274 -1010881 315546 -600765 1060622 2281225 1574509 <p id="xdx_893_eus-gaap--ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_zEV2p5YmHARf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"><span>Income tax expense was as follows</span>:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_495_20210101__20211231_zxxFmehE2HA3" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_493_20200101__20201231_zjpDspAJrtwi" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_499_20190101__20191231_zXHxUImxZ6S1" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">For the year ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_400_eus-gaap--CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract_iB" style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Current income taxes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--CurrentFederalTaxExpenseBenefit_i01_pp0p0_maCITEBzRaY_zfE9xpFxPdSl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-indent: -0.125in; padding-left: 0.25in">Federal</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,796,283</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,543,334</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,742,430</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--CurrentStateAndLocalTaxExpenseBenefit_i01_pp0p0_maCITEBzRaY_zPbryGxEYNDl" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">State</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">321,971</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1772">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1773">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--CurrentIncomeTaxExpenseBenefit_i01T_pp0p0_mtCITEBzRaY_maITEBzMBv_zQH5ypEu8gKb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Total current tax expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,118,254</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,543,334</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,742,430</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--DeferredIncomeTaxExpenseBenefit_maITEBzMBv_z2LMw1GbzUq3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Deferred income tax (benefit) expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(46,751</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">422,345</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">432,844</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--IncomeTaxExpenseBenefit_iT_pp0p0_mtITEBzMBv_zzX5y9JKjWFe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Total income tax expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,071,503</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,965,679</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,175,274</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1796283 1543334 1742430 321971 2118254 1543334 1742430 -46751 422345 432844 2071503 1965679 2175274 <p id="xdx_890_eus-gaap--ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_zW2zYxs3lMg9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"><span id="xdx_8BF_zJZiXqgm7Mbk">The differences between actual income tax expense and the amounts computed by applying the U.S. federal income tax rate of 21% to pretax income from continuing operations for the periods indicated are reconciled in the table below.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49A_20210101__20211231_zoNbMeIJLyEa" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_491_20200101__20201231_zw4SRjRTJoF5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_493_20190101__20191231_zEPJgbz9wced" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">For the year ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td><td> </td> <td colspan="2"> </td><td> </td></tr> <tr id="xdx_406_eus-gaap--IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_maITEBzbAh_z4XNaAdrXKM5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Computed “expected” tax expense</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,851,433</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,769,525</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,993,679</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Increase (reduction) in income taxes resulting from:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--IncomeTaxReconciliationNondeductibleExpenseAmortization_i01_pp0p0_maITEBzbAh_zbVKJdpwHLef" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Amortization of credit and gain</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1800">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1801">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,685</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost_i01_pp0p0_maITEBzbAh_zh8EFbovnPG4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Stock based compensation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">21,637</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">19,527</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,391</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--IncomeTaxReconciliationChangeInDeferredTaxAssetsValuationAllowance_i01_maITEBzbAh_zpzd55Ur61o6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Valuation allowance</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,658</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,083</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,123</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--IncomeTaxReconciliationOtherAdjustments_i01_pp0p0_maITEBzbAh_zwZNvk0vvg0a" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -0.125in; padding-left: 0.25in">Other</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,477</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,259</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,233</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--IncomeTaxReconciliationStateAndLocalIncomeTaxes_i01_pp0p0_maITEBzbAh_zq3SOwfsS0i1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">State income tax, net of federal benefit</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">248,887</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">238,729</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">268,000</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--IncomeTaxReconciliationTaxExemptIncome_i01N_pp0p0_di_msITEBzbAh_zTmvXUtIBI85" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Tax exempt interest income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(65,589</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(77,444</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(117,837</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_404_eus-gaap--IncomeTaxExpenseBenefit_iT_pp0p0_mtITEBzbAh_zuukZdLwL94a" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in"><span style="display: none">Total income tax expense</span></td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,071,503</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,965,679</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,175,274</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1851433 1769525 1993679 1685 21637 19527 16391 7658 8083 7123 7477 7259 6233 248887 238729 268000 65589 77444 117837 2071503 1965679 2175274 <p id="xdx_89A_eus-gaap--ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_zTrHZLlYrUI9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BC_z9LmBbnB0db5">The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020 are presented below.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" id="xdx_49E_20211231_zS9daEKhktb9" style="font-weight: bold; text-align: center; vertical-align: bottom"><p style="margin-top: 0; margin-bottom: 0"/> <p style="margin-top: 0; margin-bottom: 0"> </p></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: left; vertical-align: bottom"> </td> <td colspan="2" id="xdx_49C_20201231_z64j1Ou78yse" style="font-weight: bold; text-align: center; vertical-align: bottom"><p style="margin-top: 0; margin-bottom: 0"/> <p style="margin-top: 0; margin-bottom: 0"> </p></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"> December 31,</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><p style="margin-top: 0; margin-bottom: 0"/> <p style="margin-top: 0; margin-bottom: 0">2021</p></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: left; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><p style="margin-top: 0; margin-bottom: 0"/> <p style="margin-top: 0; margin-bottom: 0">2020</p></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr id="xdx_40C_eus-gaap--DeferredTaxAssetsNetAbstract_iB" style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Deferred tax assets:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_i01I_pp0p0_maDTAGzMef_zEOvL9pHibX9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 70%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Allowance for loan losses</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">905,365</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">849,159</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--DeferredTaxAssetsLiabilitiesTaxCreditCarryforwards_i01I_maDTAGzMef_znfoT04sKEd1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">State credit carryforward</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1839">—</span></td><td style="text-align: left"/><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,762</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DeferredTaxAssetsDeferredIncome_i01I_pp0p0_maDTAGzMef_zBQNHDxPwG6c" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Deferred loan fees</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">102,581</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">141,993</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--DeferredTaxAssetsPassThroughIncome_i01I_pp0p0_maDTAGzMef_zF6GRQ2ReDD3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Passthrough income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">26,525</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">26,525</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxAssetsOperatingLossCarryforwardsStateAndLocal_i01I_pp0p0_maDTAGzMef_zxxhByCWBCL1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">State net operating loss carryforward</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">97,655</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">89,997</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--DeferredTaxAssetsNonaccrualInterest_i01I_pp0p0_maDTAGzMef_zea066OvKVe2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Nonaccrual interest</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">29,246</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">30,528</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--DeferredTaxAssetsOther_i01I_pp0p0_maDTAGzMef_zSiEezep4Fi7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">9,432</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">9,432</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--DeferredTaxAssetsGross_i01TI_pp0p0_mtDTAGzMef_maDTANzVws_zUGy8bno5NK9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Total gross deferred tax assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,170,804</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,153,396</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DeferredTaxAssetsValuationAllowance_i01NI_pp0p0_di_msDTANzVws_zSpVnJfebxXj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Valuation allowance</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(97,655</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(89,997</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40F_eus-gaap--DeferredTaxAssetsNet_i01TI_pp0p0_mtDTANzVws_maDTALNzVel_msDTL_zIdSWmwsZ83j" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Total gross deferred tax assets, net of valuation allowance</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,073,149</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,063,399</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxAssetsLiabilitiesNetAbstract_iB_zi68vUbAo9b8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Deferred tax liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--DeferredTaxLiabilitiesPropertyPlantAndEquipment_i01NI_di_maDITLzIAB_zZucvGteSLL2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Fixed assets, principally due to differences in depreciation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(338,716</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(382,668</td><td style="text-align: left">)</td></tr> <tr id="xdx_407_ecustom--DeferredTaxLiabilitiesUnrealizedGainLossOnAvailableforSaleSecurities_i01NI_pp0p0_di_maDITLzIAB_z3KB5GG3z7ic" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Unrealized (gain) loss on securities available for sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,360,199</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(443,889</td><td style="text-align: left">)</td></tr> <tr id="xdx_40E_ecustom--DeferredTaxLiabilitiesStateCreditCarryforward_i01NI_pp0p0_di_maDITLzIAB_z21itLCBUimf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">State credit carryforward</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(5,672</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1876">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--DeferredTaxLiabilitiesPrepaidExpenses_i01NI_pp0p0_di_maDITLzIAB_zNJ3zbiBvRU9" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Prepaid expenses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(29,869</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(21,633</td><td style="text-align: left">)</td></tr> <tr id="xdx_40C_eus-gaap--DeferredTaxLiabilitiesOther_i01NI_di_maDITLzIAB_zfSAHSKS58qg" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(58,619</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(57,918</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_402_eus-gaap--DeferredIncomeTaxLiabilities_i01NTI_di_mtDITLzIAB_msDTALNzVel_maDTL_z57coXuIz6h6" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in"><span style="display: none">Total deferred tax liabilities</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(1,793,075</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(906,108</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Net deferred tax (liability) asset</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--DeferredTaxLiabilities_iNTI_di_mtDTL_c20211231_zM9UHVGHE6f2" style="border-bottom: Black 2.5pt double; text-align: right" title="Net deferred tax (liability)">(719,926</td><td style="padding-bottom: 2pt; text-align: left">)</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--DeferredTaxAssetsLiabilitiesNet_iTI_mtDTALNzVel_c20201231_zWH3aS3MJM4f" style="border-bottom: Black 2.5pt double; text-align: right" title="Net deferred tax asset">157,291</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 905365 849159 5762 102581 141993 26525 26525 97655 89997 29246 30528 9432 9432 1170804 1153396 97655 89997 1073149 1063399 338716 382668 1360199 443889 5672 29869 21633 58619 57918 1793075 906108 719926 157291 97655 89997 <p id="xdx_803_eus-gaap--CommitmentsContingenciesAndGuaranteesTextBlock_zJ7pW2Gaohmg" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>11.</b></span></td><td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b><span style="text-decoration: underline"><span id="xdx_82F_z3K6frceu19a">COMMITMENTS AND CONTINGENCIES </span></span></b></span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We are a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of our customers. These financial instruments include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit, interest rate, and liquidity risk. Our exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is essentially the same as that involved in extending loan facilities to customers. We use the same credit policies in making commitments and conditional obligations as we do for on-balance sheet instruments.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. If deemed necessary, the amount of collateral obtained upon extension of credit is based on our credit evaluation of the borrower. Collateral held varies, but may include accounts receivable, negotiable instruments, inventory, property, plant and equipment, and real estate. Commitments to extend credit, including unused lines of credit, amounted to $<span id="xdx_903_ecustom--CommitmentsToExtendCredit_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CommitmentsToExtendCreditMember_pp0p0" title="Commitments to extend credit">117,450,893</span> and $<span id="xdx_902_ecustom--CommitmentsToExtendCredit_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CommitmentsToExtendCreditMember_pp0p0" title="Commitments to extend credit">122,755,761</span> at December 31, 2021 and 2020, respectively.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Standby letters of credit represent our obligation to a third-party contingent upon the failure by our customer to perform under the terms of an underlying contract with the third party or obligates us to guarantee or stand as surety for the benefit of the third party. The underlying contract may entail either financial or nonfinancial obligations and may involve such things as the shipment of goods, performance of a contract, or repayment of an obligation. Under the terms of a standby letter, generally drafts will be drawn only when the underlying event fails to occur as intended. We can seek recovery of the amounts paid from the borrower. Commitments under standby letters of credit are usually for one year or less. At December 31, 2021 and 2020, we have recorded no liability for the current carrying amount of the obligation to perform as a guarantor; as such amounts are not considered material. The maximum potential amount of undiscounted future payments related to standby letters of credit at December 31, 2021 and 2020 was $<span id="xdx_905_ecustom--UndiscountedFuturePayments_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--StandbyLettersOfCreditMember_pp0p0" title="Undiscounted future payments related to standby letters of credit">648,717</span> and $<span id="xdx_90B_ecustom--UndiscountedFuturePayments_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--StandbyLettersOfCreditMember_pp0p0" title="Undiscounted future payments related to standby letters of credit">845,811</span>, respectively.</span></p> 117450893 122755761 648717 845811 <p id="xdx_809_eus-gaap--RelatedPartyTransactionsDisclosureTextBlock_zPuN0sqJN9H1" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>12.</b></span></td><td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_829_zCr6b4xN3ta">RELATED PARTY TRANSACTIONS</span></span></b></span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In the opinion of management, loans to our Executive Officers and Directors are made on substantially the same terms, including interest rates and collateral, as those terms prevailing at the time for comparable loans with persons not related to the lender that do not involve more than the normal risk of collectability. There were no past due loans to our Executive Officers and Directors as of December 31, 2021 and 2020.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89A_eus-gaap--ScheduleOfRelatedPartyTransactionsTableTextBlock_zf0YQRgDsH2d" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BB_zfpuBaASaDN5">The table below summarizes related party loans.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 80%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_493_20210101__20211231_zqJub41mCSXd" style="border-bottom: Black 1pt solid; font-weight: bold">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49A_20200101__20201231_zke1JgxGmPoi" style="border-bottom: Black 1pt solid; font-weight: bold">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_402_eus-gaap--LoansAndLeasesReceivableRelatedParties_iS_pp0p0" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Balance at beginning of the year</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">5,970,014</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">2,651,907</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--LoansAndLeasesReceivableRelatedPartiesAdditions_i_pp0p0" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">New loans or advances</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,693,836</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,244,062</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--LoansAndLeasesReceivableRelatedPartiesProceeds_iN_di_zCFDePWm42Oj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Repayments</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(4,150,704</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,925,955</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40B_eus-gaap--LoansAndLeasesReceivableRelatedParties_iE_pp0p0" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Balance at the end of the year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,513,146</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,970,014</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AE_zVbhFJwgUeM" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">At December 31, 2021 and 2020, total deposits held by related parties were $<span id="xdx_90D_eus-gaap--RelatedPartyDepositLiabilities_c20211231_pp0p0" title="Deposits held by related parties">11,405,076</span> and $<span id="xdx_90C_eus-gaap--RelatedPartyDepositLiabilities_c20201231_pp0p0" title="Deposits held by related parties">5,681,634</span>, respectively.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company also leased office space from a related party during the year ended December 31, 2019 as discussed in Note 7. Leases.</span></p> <p id="xdx_89A_eus-gaap--ScheduleOfRelatedPartyTransactionsTableTextBlock_zf0YQRgDsH2d" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BB_zfpuBaASaDN5">The table below summarizes related party loans.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 80%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_493_20210101__20211231_zqJub41mCSXd" style="border-bottom: Black 1pt solid; font-weight: bold">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" id="xdx_49A_20200101__20201231_zke1JgxGmPoi" style="border-bottom: Black 1pt solid; font-weight: bold">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_402_eus-gaap--LoansAndLeasesReceivableRelatedParties_iS_pp0p0" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Balance at beginning of the year</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">5,970,014</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">2,651,907</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--LoansAndLeasesReceivableRelatedPartiesAdditions_i_pp0p0" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">New loans or advances</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,693,836</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,244,062</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--LoansAndLeasesReceivableRelatedPartiesProceeds_iN_di_zCFDePWm42Oj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Repayments</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(4,150,704</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1,925,955</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_40B_eus-gaap--LoansAndLeasesReceivableRelatedParties_iE_pp0p0" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Balance at the end of the year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,513,146</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,970,014</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 5970014 2651907 3693836 5244062 4150704 1925955 5513146 5970014 11405076 5681634 <p id="xdx_80D_eus-gaap--OtherIncomeAndOtherExpenseDisclosureTextBlock_zHbVLHqjPP" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b>13.</b></span></td><td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b><span style="text-decoration: underline"><span id="xdx_82A_zHrlQUe3R5ek">OTHER EXPENSE </span></span></b></span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_897_eus-gaap--ScheduleOfOtherOperatingCostAndExpenseByComponentTextBlock_zVA2Z3gnl7Il" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B1_ziX5C825Ee82">The table below summarizes the components of other operating expense.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 90%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_492_20210101__20211231_zfCeBeVkm9B5" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_498_20200101__20201231_zxb4pBNUxypf" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_495_20190101__20191231_z9yj6nbLucGb" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">For the year ended December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40B_ecustom--TelephoneAndPostageExpense_maONEzBQn_zarz2dvPnnDk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Telephone and postage</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$ </td><td style="width: 10%; text-align: right">233,667</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$ </td><td style="width: 10%; text-align: right">219,065</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$ </td><td style="width: 10%; text-align: right">182,801</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_ecustom--RegulatoryInsuranceExpense_maONEzBQn_znWcK6fWyZa1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">State and FDIC insurance and fees</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">212,284</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">95,353</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">113,117</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--SuppliesExpense_maONEzBQn_zMWUaDVrnPZd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Supplies</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">63,850</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">74,472</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">103,796</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--CourierServiceExpense_maONEzBQn_zYX6w94bHZFh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Courier service</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">44,825</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">48,048</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">49,200</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--InsuranceExpense_maONEzBQn_zJESaMMypgu6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Insurance</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">56,748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">53,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">43,097</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--MarketingAndAdvertisingExpense_maONEzBQn_zB2cIq7bZF2i" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Advertising and business development</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,114</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,045</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,059</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--AmortizationOfFederalTaxCredit_maONEzBQn_zC0RXyU9FsTc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Amortization of federal tax credit</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1956">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1957">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,022</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--OtherCostAndExpenseOperating_maONEzBQn_z78kLdNRQ1Ef" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">805,966</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">746,502</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">740,948</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--OtherNoninterestExpense_iT_pp0p0_mtONEzBQn_zjveVSYU7GZe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Total other operating expenses</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,425,454</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,245,485</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,257,040</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A9_zchZN6DgTgWa" style="margin-top: 0; margin-bottom: 0"> </p> <p id="xdx_897_eus-gaap--ScheduleOfOtherOperatingCostAndExpenseByComponentTextBlock_zVA2Z3gnl7Il" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B1_ziX5C825Ee82">The table below summarizes the components of other operating expense.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 90%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_492_20210101__20211231_zfCeBeVkm9B5" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_498_20200101__20201231_zxb4pBNUxypf" style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td id="xdx_495_20190101__20191231_z9yj6nbLucGb" style="font-weight: bold; text-align: center"> </td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold"> </td> <td colspan="10" style="font-weight: bold; text-align: center">For the year ended December 31,</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40B_ecustom--TelephoneAndPostageExpense_maONEzBQn_zarz2dvPnnDk" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Telephone and postage</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$ </td><td style="width: 10%; text-align: right">233,667</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$ </td><td style="width: 10%; text-align: right">219,065</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$ </td><td style="width: 10%; text-align: right">182,801</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_ecustom--RegulatoryInsuranceExpense_maONEzBQn_znWcK6fWyZa1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">State and FDIC insurance and fees</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">212,284</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">95,353</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">113,117</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--SuppliesExpense_maONEzBQn_zMWUaDVrnPZd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Supplies</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">63,850</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">74,472</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">103,796</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--CourierServiceExpense_maONEzBQn_zYX6w94bHZFh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Courier service</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">44,825</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">48,048</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">49,200</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_ecustom--InsuranceExpense_maONEzBQn_zJESaMMypgu6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Insurance</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">56,748</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">53,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">43,097</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--MarketingAndAdvertisingExpense_maONEzBQn_zB2cIq7bZF2i" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Advertising and business development</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,114</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">9,045</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">16,059</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--AmortizationOfFederalTaxCredit_maONEzBQn_zC0RXyU9FsTc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Amortization of federal tax credit</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1956">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl1957">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,022</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--OtherCostAndExpenseOperating_maONEzBQn_z78kLdNRQ1Ef" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">805,966</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">746,502</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">740,948</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--OtherNoninterestExpense_iT_pp0p0_mtONEzBQn_zjveVSYU7GZe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Total other operating expenses</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,425,454</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,245,485</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,257,040</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 233667 219065 182801 212284 95353 113117 63850 74472 103796 44825 48048 49200 56748 53000 43097 8114 9045 16059 8022 805966 746502 740948 1425454 1245485 1257040 <p id="xdx_800_eus-gaap--DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_zFbe9D5zF4kh" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top"> <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b>14.</b></span></td><td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b><span style="text-decoration: underline"><span id="xdx_824_zLKQZwdeMyS8">STOCK INCENTIVE PLANS </span></span></b></span></td></tr></table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We have <span id="xdx_90B_ecustom--NumberOfStockIncentivePlans_iI_dc_c20211231_zqvjH7RB9Uth" title="Number of stock incentive plans">two</span> employee Stock Incentive Plans: the first plan, which was approved in 2010, has <span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_iI_c20211231__us-gaap--PlanNameAxis__custom--OmnibusStockIncentivePlan2010Member_zevJGQeRS68i" title="Number of shares authorized under stock incentive plan">300,000</span> (<span id="xdx_90F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_iI_pid_c20211231__us-gaap--PlanNameAxis__custom--OmnibusStockIncentivePlan2010Member__us-gaap--DividendsAxis__custom--AdjustedForDividendMember_zZzZQnAzDdAe" title="Number of shares authorized under stock incentive plan">363,000</span> adjusted for <span id="xdx_904_ecustom--NumberOfStockDividendsAffectingStockPlans_iI_dc_c20211231__us-gaap--PlanNameAxis__custom--OmnibusStockIncentivePlan2010Member__us-gaap--DividendsAxis__custom--AdjustedForDividendMember_zeGAoAlY9HQh">two</span> <span id="xdx_90A_ecustom--StockDividendsForShareAdjustmentOfPlansPercent_iI_dp_c20211231__us-gaap--PlanNameAxis__custom--OmnibusStockIncentivePlan2010Member__us-gaap--DividendsAxis__custom--AdjustedForDividendMember_za7NPiTimKUk" title="Stock dividends for share adjustment of plans (percent)">10</span>% stock dividends) shares reserved and the second plan, which was approved in 2020, has <span id="xdx_901_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_iI_c20211231__us-gaap--PlanNameAxis__custom--OmnibusStockIncentivePlan2020Member_zLLbG0DYOBCj" title="Number of shares authorized under stock incentive plan">300,000</span> shares reserved. No new options may be granted under the 2010 plan, as it expired on April 14, 2020. Under the 2020 plan, options are periodically granted to employees at a price not less than the fair market value of the shares at the date of grant. Employees become <span id="xdx_907_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_c20210101__20211231__us-gaap--VestingAxis__custom--VestingAfterFiveYearsMember__us-gaap--PlanNameAxis__custom--OmnibusStockIncentivePlan2020Member_zbeRsrmmCl24" title="Percentage of options vesting">20</span>% vested after five years and then vest <span id="xdx_909_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_c20210101__20211231__us-gaap--VestingAxis__custom--VestingEachYearThereafterMember__us-gaap--PlanNameAxis__custom--OmnibusStockIncentivePlan2020Member_zqzx3ySJ8Hn8" title="Percentage of options vesting">20</span>% each year until fully vested. The right to exercise each such <span id="xdx_907_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_c20210101__20211231__us-gaap--VestingAxis__custom--VestingAfterFiveYearsMember__us-gaap--PlanNameAxis__custom--OmnibusStockIncentivePlan2020Member_znU3ZPj8rpxd">20</span>% of the options is cumulative and will not expire until the tenth anniversary of the date of the grant. All employees are eligible to participate in the 2020 plan if the Executive/Long-Range Committee, in its sole discretion, determines that such person has contributed or can be expected to contribute to our profits or growth. With respect to Executive Officers, the Executive/ Long-Range Planning Committee will obtain approval from the Compensation Committee for any options granted to them.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We also have a stock incentive plan to provide equity incentive compensation to the Company's eligible independent directors. The plan was approved by the shareholders in 2021 and has <span id="xdx_905_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_iI_c20211231__us-gaap--PlanNameAxis__custom--StockIncentivePlan2021Member_zNmZwnpwtK31">150,000</span> shares reserved. Under the 2021 plan, options may be granted to eligible independent directors at a price not less than the fair market value of the shares at the date of grant. Options granted to independent directors become vested as to <span id="xdx_906_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_uPure_c20210101__20211231__us-gaap--VestingAxis__custom--VestingEachYearMember__us-gaap--PlanNameAxis__custom--StockIncentivePlan2021Member_zHi2eUa9bDzd">20</span>% of the options per year and will be fully vested after five years. The right to exercise each such <span id="xdx_906_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_uPure_c20210101__20211231__us-gaap--VestingAxis__custom--VestingEachYearMember__us-gaap--PlanNameAxis__custom--StockIncentivePlan2021Member_znVDfYU0ELSk">20</span>% of the options is cumulative and will not expire until the tenth anniversary of the date of the grant. Each independent director is eligible to participate in the 2021 plan if the Compensation Committee, in its sole discretion, determines that such person has contributed or can be expected to contribute to our profits or growth. During 2021, the Compensation Committee granted each of its <span id="xdx_903_ecustom--NumberOfIndependentDirectors_uNumber_c20210101__20211231__us-gaap--PlanNameAxis__custom--StockIncentivePlan2021Member_zrqaQZECPCW4">14</span> independent directors options to purchase <span id="xdx_90E_ecustom--NumberOfOptionsGrantedToEachDirector_uShares_c20210101__20211231__us-gaap--PlanNameAxis__custom--StockIncentivePlan2021Member_zd4cH5FR0zZd">5,000</span> shares of the Company’s common stock at an exercise price of $<span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_uUSDPShares_c20210101__20211231__us-gaap--PlanNameAxis__custom--StockIncentivePlan2021Member_zPZZnQtDRTMl" title="Options exercise price">21.10</span> per share. </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Option awards are generally granted with an exercise price equal to the market price of the Company’s common stock at the date of grant. The fair value of each option award is estimated on the date of grant using a closed form option valuation (Black-Scholes) model that uses the assumptions noted in the table below. Expected volatilities are based on historical volatilities of our common stock. The expected term of the options granted shall not exceed ten years from the date of grant (the amount of time options granted are expected to be outstanding). The risk-free interest rate for the expected term of the option is based on the U.S. Treasury yield curve in effect at the time of the grant.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89E_eus-gaap--ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock_z5yQVdUFcnA5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B0_z6gCD5K3rsfa">The fair value of options granted was determined using the following weighted-average assumptions as of grant date:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 80%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="vertical-align: bottom; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20210101__20211231_zcA7JwVRKNBa" style="vertical-align: bottom; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="vertical-align: bottom; font-weight: bold; text-align: center"> </td> <td id="xdx_49A_20200101__20201231_zWHsHZiDResh" style="vertical-align: bottom; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="vertical-align: bottom; font-weight: bold; text-align: center"> </td> <td id="xdx_492_20190101__20191231_zq1NBEdw5Exc" style="vertical-align: bottom; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_405_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_dp_zUihBlPEsZG4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 41%; text-align: left">Risk free interest rate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">1.46</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">0.63</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">2.01</td><td style="width: 1%; text-align: left">%</td></tr> <tr id="xdx_402_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_dtY_z68aiLtEyAL5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Expected life (in years)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.99</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.50</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_dp_zQ2fFTyYafLb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Expected stock price volatility</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">34.18</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">32.90</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">33.13</td><td style="text-align: left">%</td></tr> <tr id="xdx_40D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_dp_z5ghAZQmAEfg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Dividend yield</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4.00</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4.26</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4.28</td><td style="text-align: left">%</td></tr> </table> <p id="xdx_8AD_zAPWR6ZmpXg2" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89B_eus-gaap--ScheduleOfStockOptionsRollForwardTableTextBlock_zvbrIiWHEgQa" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"><span id="xdx_8B7_z8etSmoIlWRf">The following table presents a summary of the activity under the 2010, 2020 and 2021 Stock Incentive Plans for the years ended December 31:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">Weighted<br/> Average<br/> Exercise<br/> Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">Weighted<br/> Average<br/> Exercise<br/> Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">Weighted<br/> Average<br/> Exercise<br/> Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 34%; padding-left: 0.125in; text-indent: -0.125in">Outstanding, January 1</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pid_c20210101__20211231_zBtPWzvbASZ4" style="width: 8%; text-align: right" title="Outstanding, beginning">202,344</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pid_uUSDPShares_c20210101__20211231_z9ysth2TNpbk" style="width: 8%; text-align: right" title="Outstanding, beginning">14.89</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pid_c20200101__20201231_z2ifUwFvOnAd" style="width: 8%; text-align: right">86,097</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pid_uUSDPShares_c20200101__20201231_zcAF0QzrGIs9" style="width: 8%; text-align: right">12.92</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pid_c20190101__20191231_zZVYXrI67rnl" style="width: 8%; text-align: right" title="Outstanding, beginning">102,760</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pid_uUSDPShares_c20190101__20191231_zUFubGJP4sm6" style="width: 8%; text-align: right" title="Outstanding, beginning">11.86</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Granted</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pid_c20210101__20211231_zWd4giLpp392" style="text-align: right" title="Granted">115,750</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20210101__20211231_z1gcb7ebEWJi" style="text-align: right" title="Granted">20.15</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pid_c20200101__20201231_zsTiULfyYJTa" style="text-align: right" title="Granted">145,750</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20200101__20201231_znbO358mhAQi" style="text-align: right" title="Granted">15.31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pid_c20190101__20191231_zfKUV7M9NTtj" style="text-align: right" title="Granted">6,250</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20190101__20191231_zuErZda5EOJg" style="text-align: right" title="Granted">18.92</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Exercised</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pid_di_c20210101__20211231_z9ufZZY6NlCk" style="text-align: right" title="Exercised">(22,305</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20210101__20211231_zsHmT17kdXsb" style="text-align: right" title="Exercised">10.64</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pid_di_c20200101__20201231_zKzmGWyzSJ4d" style="text-align: right" title="Exercised">(19,298</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20200101__20201231_zG3Sy4yuZt3k" style="text-align: right" title="Exercised">9.39</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pid_di_c20190101__20191231_zYv2o0JPtnzk" style="text-align: right" title="Exercised">(22,163</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20190101__20191231_z0f4E9G6Qhea" style="text-align: right" title="Exercised">8.81</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Forfeited</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_iN_pid_di_c20210101__20211231_zbROn4FOvuCj" style="border-bottom: Black 1pt solid; text-align: right" title="Forfeited">(22,042</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20210101__20211231_zDDWzS0pWp5" style="border-bottom: Black 1pt solid; text-align: right" title="Forfeited">15.07</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_iN_pid_di_c20200101__20201231_z450STJz6EY7" style="border-bottom: Black 1pt solid; text-align: right" title="Forfeited">(10,205</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20200101__20201231_zzBW4PocjBai" style="border-bottom: Black 1pt solid; text-align: right" title="Forfeited">15.19</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_iN_pid_di_c20190101__20191231_zuxczl4BH294" style="border-bottom: Black 1pt solid; text-align: right" title="Forfeited">(750</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20190101__20191231_z21ChpPYyRMf" style="border-bottom: Black 1pt solid; text-align: right" title="Forfeited">18.92</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Outstanding, December 31</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pid_c20210101__20211231_zkI6HELee3qa" style="text-align: right" title="Outstanding, ending">273,747</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pid_uUSDPShares_c20210101__20211231_zT3FQVhKlNU7" style="text-align: right" title="Outstanding, ending">17.50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pid_c20200101__20201231_za3XFjR5zUj4" style="text-align: right" title="Outstanding, ending">202,344</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pid_uUSDPShares_c20200101__20201231_zW0DDat3w7u7" style="text-align: right" title="Outstanding, ending">14.89</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pid_c20190101__20191231_zEKWIgQeDekc" style="text-align: right">86,097</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pid_uUSDPShares_c20190101__20191231_zmumOXzEWYKf" style="text-align: right">12.92</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Exercisable at year end</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pid_c20211231_zPxWzcjPzHSd" style="border-bottom: Black 2.5pt double; text-align: right" title="Exercisable at year end">7,804</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231_zbhmGLIviJEe" style="border-bottom: Black 2.5pt double; text-align: right" title="Exercisable at year end">12.17</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pid_c20201231_zmZEuAmmuhrf" style="border-bottom: Black 2.5pt double; text-align: right" title="Exercisable at year end">21,113</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20201231_zd9V5soNoNa9" style="border-bottom: Black 2.5pt double; text-align: right" title="Exercisable at year end">9.77</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pid_c20191231_zaLCeoqZxwm6" style="border-bottom: Black 2.5pt double; text-align: right">27,459</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20191231_zJADnKrJP6We" style="border-bottom: Black 2.5pt double; text-align: right">9.03</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p id="xdx_8AF_zvw2ZzZLFbvh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_891_eus-gaap--ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTextBlock_z3ssQAl8mUda" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B9_zqc63a1bh6F9">The following table presents information pertaining to options outstanding at December 31, 2021.</span> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right; vertical-align: bottom">Exercise Price</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: right; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: right; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right; vertical-align: bottom">Number of<br/> Options<br/> Outstanding</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: right; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: right; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right; vertical-align: bottom">Weighted<br/> Average<br/> Remaining<br/> Contractual<br/> Life</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: right; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: right; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right; vertical-align: bottom">Weighted <br/> Average <br/> Exercise<br/> Price <br/> of Options<br/> Outstanding</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: right; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: right; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right; vertical-align: bottom">Intrinsic<br/> Value of <br/> Options <br/> Outstanding</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: right; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: right; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right; vertical-align: bottom">Number of<br/> Options <br/> Exercisable</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: right; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: right; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right; vertical-align: bottom">Weighted<br/> Average<br/> Exercise<br/> Price of <br/> Options <br/> Exercisable</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: right; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: right; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right; vertical-align: bottom">Intrinsic<br/> Value of <br/> Options<br/> Exercisable</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: right; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice1Member_zGgQsn0F50M7" style="width: 10%; text-align: right" title="Exercise Price">9.18</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice1Member_zJ60wTJATdYg" style="width: 10%; text-align: right" title="Number of Options Outstanding">1,149</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right"><span id="xdx_900_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice1Member_z1nGpSmuTghf" title="Weighted Average Remaining Contractual Life">0.50</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice1Member_zZZrGmrdvs0l" style="width: 10%; text-align: right" title="Weighted Average Exercise Price of Options Outstanding">9.18</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice1Member_pp0p0" style="width: 10%; text-align: right" title="Intrinsic Value of Options Outstanding">10,548</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice1Member_pdd" style="width: 9%; text-align: right" title="Number of Options Exercisable">1,149</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice1Member_zzL4JktsrL72" style="width: 9%; text-align: right" title="Weighted Average Exercise Price of Options Exercisable">9.18</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice1Member_pp0p0" style="width: 9%; text-align: right" title="Intrinsic Value of Options Exercisable">12,409</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">$</td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice2Member_zwfaYLAR26Db" style="text-align: right" title="Exercise Price">12.26</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice2Member_zgbKZyfsRwx" style="text-align: right" title="Number of Options Outstanding">3,992</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice2Member_zwFCnVV6bSeg" style="text-align: right" title="Weighted Average Remaining Contractual Life">2.58</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_986_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice2Member_zpnxXZLd7J1" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">12.26</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice2Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">48,942</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice2Member_pdd" style="text-align: right" title="Number of Options Exercisable">2,395</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98A_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice2Member_zk1tYqQE36h8" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">12.26</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98D_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice2Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Exercisable">18,490</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">$</td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice3Member_zDzIVjSj87Zb" style="text-align: right" title="Exercise Price">12.40</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice3Member_zCbKTLIkpo5l" style="text-align: right" title="Number of Options Outstanding">969</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice3Member_zVG61n5fVGu2" style="text-align: right" title="Weighted Average Remaining Contractual Life">2.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98B_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice3Member_zF707KBf22Eg" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">12.40</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice3Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">12,016</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice3Member_pdd" style="text-align: right" title="Number of Options Exercisable">775</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98A_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice3Member_zJgJ9L1E78z2" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">12.40</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice3Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Exercisable">5,876</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">$</td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice4Member_z315qof8s9B6" style="text-align: right" title="Exercise Price">13.05</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice4Member_z9UpPKWDo6t7" style="text-align: right" title="Number of Options Outstanding">8,712</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice4Member_zUL4EksnJfwd" style="text-align: right" title="Weighted Average Remaining Contractual Life">3.33</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice4Member_zszgRT8xn7Sa" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">13.05</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice4Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">113,692</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice4Member_pdd" style="text-align: right" title="Number of Options Exercisable">3,485</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice4Member_z90mJaltuPwh" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">13.05</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice4Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Exercisable">24,148</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">$</td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice5Member_zZMULjtHPSVh" style="text-align: right" title="Exercise Price">15.21</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice5Member_zIu84UrLJJP" style="text-align: right" title="Number of Options Outstanding">116,250</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice5Member_zroFM4c9cvuk" style="text-align: right" title="Weighted Average Remaining Contractual Life">8.33</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice5Member_zQfL455VbXCk" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">15.21</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice5Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">1,768,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice5Member_zEckNAr1qDNa" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">15.21</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">$</td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice6Member_zmm4YNLjfJg9" style="text-align: right" title="Exercise Price">16.73</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice6Member_zClv6g5de7Z7" style="text-align: right" title="Number of Options Outstanding">10,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice6Member_zC8PkbO3soEc" style="text-align: right" title="Weighted Average Remaining Contractual Life">8.33</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_989_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice6Member_zwpNGTWxCRte" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">16.73</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice6Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">167,300</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice6Member_zcvH49KMWzG5" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">16.73</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice7Member_zNO1nu3ViJO" style="text-align: right" title="Exercise Price">18.23</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice7Member_zCMqFXabNusg" style="text-align: right" title="Number of Options Outstanding">32,450</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice7Member_zcP5iimJEaqg" style="text-align: right" title="Weighted Average Remaining Contractual Life">6.25</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice7Member_zdCB7FKmyKKj" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">18.23</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice7Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">591,564</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_985_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice7Member_zTa4a48wCgEd" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">18.23</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">$</td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice8Member_zmJBA03RnZ8b" style="text-align: right" title="Exercise Price">19.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice8Member_znsDGi6N0oh2" style="text-align: right" title="Number of Options Outstanding">2,750</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice8Member_z7wpm8dKUCJh" style="text-align: right" title="Weighted Average Remaining Contractual Life">8.33</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_987_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice8Member_zYug5qZ4lYXf" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">19.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice8Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">52,250</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_984_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice8Member_zvx9mRU5G0Zh" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">19.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">$</td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice9Member_zoBpGDYd1jja" style="text-align: right" title="Exercise Price">19.82</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice9Member_zSoRgE2wQKT5" style="text-align: right" title="Number of Options Outstanding">7,225</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice9Member_zdy3nbVKtSgh" style="text-align: right" title="Weighted Average Remaining Contractual Life">8.33</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice9Member_zAJnm3dimV48" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">19.82</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice9Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">143,200</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice9Member_zWMhkW3uu0W3" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">19.82</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">$</td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice10Member_z85H8kwJTp2h" style="text-align: right" title="Exercise Price">20.04</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice10Member_zzqYk6YnQgJa" style="text-align: right" title="Number of Options Outstanding">20,250</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice10Member_zYm6ykWiJ6R" style="text-align: right" title="Weighted Average Remaining Contractual Life">9.59</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice10Member_zRn5wnAJqHzc" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">20.04</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice10Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">405,810</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice10Member_zMF5qfmYkgjc" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">20.04</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice11Member_zfWhQqhQ3bZ6" style="text-align: right" title="Exercise Price">21.10</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice11Member_zsXXVV4gFVDk" style="border-bottom: Black 1pt solid; text-align: right" title="Number of Options Outstanding">70,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice11Member_z5GxsNSvk5jd" style="border-bottom: Black 1pt solid; text-align: right" title="Weighted Average Remaining Contractual Life">9.33</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_988_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice11Member_zliY5ocb6MIh" style="border-bottom: Black 1pt solid; text-align: right" title="Weighted Average Exercise Price of Options Outstanding">21.10</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice11Member_pp0p0" style="border-bottom: Black 1pt solid; text-align: right" title="Intrinsic Value of Options Outstanding">1,477,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_989_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice11Member_z2a6Ye3huZt8" style="border-bottom: Black 1pt solid; text-align: right" title="Weighted Average Exercise Price of Options Exercisable">21.10</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td style="border-bottom: Black 1pt solid; text-align: right">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_983_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231_zkLDibO5AAg8" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of Options Outstanding">273,747</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98A_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231_zAm93u1Vd8qi" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted Average Remaining Contractual Life">8.13</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231_zJacn52CDfyg" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted Average Exercise Price of Options Outstanding">17.50</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231_pp0p0" style="border-bottom: Black 2.5pt double; text-align: right" title="Intrinsic Value of Options Outstanding">4,790,485</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions_c20211231_pdd" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of Options Exercisable">7,804</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231_zRH7MX13FW3e" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted Average Exercise Price of Options Exercisable">12.17</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_c20211231_pp0p0" style="border-bottom: Black 2.5pt double; text-align: right" title="Intrinsic Value of Options Exercisable">60,923</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A6_z1e6Uo1n8fDk" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The total intrinsic value of options exercised during the years ended December 31, 2021, 2020, and 2019 was $<span id="xdx_905_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_c20210101__20211231_pp0p0" title="Intrinsic value of options exercised">208,259</span>, $<span id="xdx_903_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_c20200101__20201231_pp0p0" title="Intrinsic value of options exercised">139,837</span> and $<span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_c20190101__20191231_pp0p0" title="Intrinsic value of options exercised">218,116</span>, respectively. Shares issued upon exercise of stock options are obtained from the authorized and unissued pool of common stock. Shares surrendered as payment of the stock option exercise price are included in treasury stock.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We recognized compensation cost for the years ended December 31, 2021, 2020 and 2019 in the amount of $<span id="xdx_902_eus-gaap--StockOptionPlanExpense_c20210101__20211231_pp0p0" title="Stock-based compensation expense">103,033</span>, $<span id="xdx_90C_eus-gaap--StockOptionPlanExpense_c20200101__20201231_pp0p0" title="Stock-based compensation expense">92,986</span> and $<span id="xdx_90D_eus-gaap--StockOptionPlanExpense_c20190101__20191231_pp0p0" title="Stock-based compensation expense">78,053</span>, respectively, related to the granted options.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As of December 31, 2021, there was a total of $<span id="xdx_90E_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_c20211231_pp0p0" title="Unrecognized compensation cost">638,443</span> in unrecognized compensation cost related to nonvested share-based compensation arrangements granted under the Plan. The cost is expected to be recognized over a weighted average period of <span id="xdx_902_eus-gaap--EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_dtY_c20210101__20211231_zle2LPcrU7W2" title="Period for unrecognized compensation cost to be recognized">5.26</span> years.</span></p> 2 300000 363000 2 0.10 300000 0.20 0.20 0.20 150000 0.20 0.20 14 5000 21.10 <p id="xdx_89E_eus-gaap--ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock_z5yQVdUFcnA5" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B0_z6gCD5K3rsfa">The fair value of options granted was determined using the following weighted-average assumptions as of grant date:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 80%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="vertical-align: bottom; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20210101__20211231_zcA7JwVRKNBa" style="vertical-align: bottom; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="vertical-align: bottom; font-weight: bold; text-align: center"> </td> <td id="xdx_49A_20200101__20201231_zWHsHZiDResh" style="vertical-align: bottom; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="vertical-align: bottom; font-weight: bold; text-align: center"> </td> <td id="xdx_492_20190101__20191231_zq1NBEdw5Exc" style="vertical-align: bottom; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_405_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate_dp_zUihBlPEsZG4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 41%; text-align: left">Risk free interest rate</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">1.46</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">0.63</td><td style="width: 1%; text-align: left">%</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">2.01</td><td style="width: 1%; text-align: left">%</td></tr> <tr id="xdx_402_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1_dtY_z68aiLtEyAL5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Expected life (in years)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5.99</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7.50</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate_dp_zQ2fFTyYafLb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Expected stock price volatility</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">34.18</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">32.90</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">33.13</td><td style="text-align: left">%</td></tr> <tr id="xdx_40D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate_dp_z5ghAZQmAEfg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Dividend yield</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4.00</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4.26</td><td style="text-align: left">%</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4.28</td><td style="text-align: left">%</td></tr> </table> 0.0146 0.0063 0.0201 P5Y11M26D P7Y6M P7Y6M 0.3418 0.3290 0.3313 0.0400 0.0426 0.0428 <p id="xdx_89B_eus-gaap--ScheduleOfStockOptionsRollForwardTableTextBlock_zvbrIiWHEgQa" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"><span id="xdx_8B7_z8etSmoIlWRf">The following table presents a summary of the activity under the 2010, 2020 and 2021 Stock Incentive Plans for the years ended December 31:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td> <td style="font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">Weighted<br/> Average<br/> Exercise<br/> Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">Weighted<br/> Average<br/> Exercise<br/> Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">Shares</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; font-weight: bold; text-align: center">Weighted<br/> Average<br/> Exercise<br/> Price</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 34%; padding-left: 0.125in; text-indent: -0.125in">Outstanding, January 1</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pid_c20210101__20211231_zBtPWzvbASZ4" style="width: 8%; text-align: right" title="Outstanding, beginning">202,344</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pid_uUSDPShares_c20210101__20211231_z9ysth2TNpbk" style="width: 8%; text-align: right" title="Outstanding, beginning">14.89</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pid_c20200101__20201231_z2ifUwFvOnAd" style="width: 8%; text-align: right">86,097</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pid_uUSDPShares_c20200101__20201231_zcAF0QzrGIs9" style="width: 8%; text-align: right">12.92</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iS_pid_c20190101__20191231_zZVYXrI67rnl" style="width: 8%; text-align: right" title="Outstanding, beginning">102,760</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iS_pid_uUSDPShares_c20190101__20191231_zUFubGJP4sm6" style="width: 8%; text-align: right" title="Outstanding, beginning">11.86</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Granted</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pid_c20210101__20211231_zWd4giLpp392" style="text-align: right" title="Granted">115,750</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20210101__20211231_z1gcb7ebEWJi" style="text-align: right" title="Granted">20.15</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pid_c20200101__20201231_zsTiULfyYJTa" style="text-align: right" title="Granted">145,750</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20200101__20201231_znbO358mhAQi" style="text-align: right" title="Granted">15.31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_pid_c20190101__20191231_zfKUV7M9NTtj" style="text-align: right" title="Granted">6,250</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20190101__20191231_zuErZda5EOJg" style="text-align: right" title="Granted">18.92</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Exercised</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pid_di_c20210101__20211231_z9ufZZY6NlCk" style="text-align: right" title="Exercised">(22,305</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20210101__20211231_zsHmT17kdXsb" style="text-align: right" title="Exercised">10.64</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pid_di_c20200101__20201231_zKzmGWyzSJ4d" style="text-align: right" title="Exercised">(19,298</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20200101__20201231_zG3Sy4yuZt3k" style="text-align: right" title="Exercised">9.39</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--StockIssuedDuringPeriodSharesStockOptionsExercised_iN_pid_di_c20190101__20191231_zYv2o0JPtnzk" style="text-align: right" title="Exercised">(22,163</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20190101__20191231_z0f4E9G6Qhea" style="text-align: right" title="Exercised">8.81</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Forfeited</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_iN_pid_di_c20210101__20211231_zbROn4FOvuCj" style="border-bottom: Black 1pt solid; text-align: right" title="Forfeited">(22,042</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20210101__20211231_zDDWzS0pWp5" style="border-bottom: Black 1pt solid; text-align: right" title="Forfeited">15.07</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_iN_pid_di_c20200101__20201231_z450STJz6EY7" style="border-bottom: Black 1pt solid; text-align: right" title="Forfeited">(10,205</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20200101__20201231_zzBW4PocjBai" style="border-bottom: Black 1pt solid; text-align: right" title="Forfeited">15.19</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_iN_pid_di_c20190101__20191231_zuxczl4BH294" style="border-bottom: Black 1pt solid; text-align: right" title="Forfeited">(750</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice_pid_uUSDPShares_c20190101__20191231_z21ChpPYyRMf" style="border-bottom: Black 1pt solid; text-align: right" title="Forfeited">18.92</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Outstanding, December 31</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pid_c20210101__20211231_zkI6HELee3qa" style="text-align: right" title="Outstanding, ending">273,747</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pid_uUSDPShares_c20210101__20211231_zT3FQVhKlNU7" style="text-align: right" title="Outstanding, ending">17.50</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pid_c20200101__20201231_za3XFjR5zUj4" style="text-align: right" title="Outstanding, ending">202,344</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pid_uUSDPShares_c20200101__20201231_zW0DDat3w7u7" style="text-align: right" title="Outstanding, ending">14.89</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_iE_pid_c20190101__20191231_zEKWIgQeDekc" style="text-align: right">86,097</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iE_pid_uUSDPShares_c20190101__20191231_zmumOXzEWYKf" style="text-align: right">12.92</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Exercisable at year end</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pid_c20211231_zPxWzcjPzHSd" style="border-bottom: Black 2.5pt double; text-align: right" title="Exercisable at year end">7,804</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231_zbhmGLIviJEe" style="border-bottom: Black 2.5pt double; text-align: right" title="Exercisable at year end">12.17</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pid_c20201231_zmZEuAmmuhrf" style="border-bottom: Black 2.5pt double; text-align: right" title="Exercisable at year end">21,113</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20201231_zd9V5soNoNa9" style="border-bottom: Black 2.5pt double; text-align: right" title="Exercisable at year end">9.77</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_iI_pid_c20191231_zaLCeoqZxwm6" style="border-bottom: Black 2.5pt double; text-align: right">27,459</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20191231_zJADnKrJP6We" style="border-bottom: Black 2.5pt double; text-align: right">9.03</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> 202344 14.89 86097 12.92 102760 11.86 115750 20.15 145750 15.31 6250 18.92 22305 10.64 19298 9.39 22163 8.81 22042 15.07 10205 15.19 750 18.92 273747 17.50 202344 14.89 86097 12.92 7804 12.17 21113 9.77 27459 9.03 <p id="xdx_891_eus-gaap--ScheduleOfShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeTextBlock_z3ssQAl8mUda" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B9_zqc63a1bh6F9">The following table presents information pertaining to options outstanding at December 31, 2021.</span> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right; vertical-align: bottom">Exercise Price</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: right; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: right; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right; vertical-align: bottom">Number of<br/> Options<br/> Outstanding</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: right; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: right; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right; vertical-align: bottom">Weighted<br/> Average<br/> Remaining<br/> Contractual<br/> Life</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: right; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: right; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right; vertical-align: bottom">Weighted <br/> Average <br/> Exercise<br/> Price <br/> of Options<br/> Outstanding</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: right; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: right; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right; vertical-align: bottom">Intrinsic<br/> Value of <br/> Options <br/> Outstanding</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: right; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: right; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right; vertical-align: bottom">Number of<br/> Options <br/> Exercisable</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: right; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: right; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right; vertical-align: bottom">Weighted<br/> Average<br/> Exercise<br/> Price of <br/> Options <br/> Exercisable</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: right; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: right; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: right; vertical-align: bottom">Intrinsic<br/> Value of <br/> Options<br/> Exercisable</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: right; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice1Member_zGgQsn0F50M7" style="width: 10%; text-align: right" title="Exercise Price">9.18</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice1Member_zJ60wTJATdYg" style="width: 10%; text-align: right" title="Number of Options Outstanding">1,149</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right"><span id="xdx_900_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice1Member_z1nGpSmuTghf" title="Weighted Average Remaining Contractual Life">0.50</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice1Member_zZZrGmrdvs0l" style="width: 10%; text-align: right" title="Weighted Average Exercise Price of Options Outstanding">9.18</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice1Member_pp0p0" style="width: 10%; text-align: right" title="Intrinsic Value of Options Outstanding">10,548</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice1Member_pdd" style="width: 9%; text-align: right" title="Number of Options Exercisable">1,149</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice1Member_zzL4JktsrL72" style="width: 9%; text-align: right" title="Weighted Average Exercise Price of Options Exercisable">9.18</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice1Member_pp0p0" style="width: 9%; text-align: right" title="Intrinsic Value of Options Exercisable">12,409</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">$</td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice2Member_zwfaYLAR26Db" style="text-align: right" title="Exercise Price">12.26</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice2Member_zgbKZyfsRwx" style="text-align: right" title="Number of Options Outstanding">3,992</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice2Member_zwFCnVV6bSeg" style="text-align: right" title="Weighted Average Remaining Contractual Life">2.58</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_986_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice2Member_zpnxXZLd7J1" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">12.26</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice2Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">48,942</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice2Member_pdd" style="text-align: right" title="Number of Options Exercisable">2,395</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98A_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice2Member_zk1tYqQE36h8" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">12.26</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98D_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice2Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Exercisable">18,490</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">$</td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice3Member_zDzIVjSj87Zb" style="text-align: right" title="Exercise Price">12.40</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice3Member_zCbKTLIkpo5l" style="text-align: right" title="Number of Options Outstanding">969</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice3Member_zVG61n5fVGu2" style="text-align: right" title="Weighted Average Remaining Contractual Life">2.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98B_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice3Member_zF707KBf22Eg" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">12.40</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice3Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">12,016</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice3Member_pdd" style="text-align: right" title="Number of Options Exercisable">775</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98A_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice3Member_zJgJ9L1E78z2" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">12.40</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice3Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Exercisable">5,876</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">$</td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice4Member_z315qof8s9B6" style="text-align: right" title="Exercise Price">13.05</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice4Member_z9UpPKWDo6t7" style="text-align: right" title="Number of Options Outstanding">8,712</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice4Member_zUL4EksnJfwd" style="text-align: right" title="Weighted Average Remaining Contractual Life">3.33</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice4Member_zszgRT8xn7Sa" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">13.05</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_989_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice4Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">113,692</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice4Member_pdd" style="text-align: right" title="Number of Options Exercisable">3,485</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice4Member_z90mJaltuPwh" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">13.05</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice4Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Exercisable">24,148</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">$</td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice5Member_zZMULjtHPSVh" style="text-align: right" title="Exercise Price">15.21</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice5Member_zIu84UrLJJP" style="text-align: right" title="Number of Options Outstanding">116,250</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice5Member_zroFM4c9cvuk" style="text-align: right" title="Weighted Average Remaining Contractual Life">8.33</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice5Member_zQfL455VbXCk" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">15.21</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_985_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice5Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">1,768,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice5Member_zEckNAr1qDNa" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">15.21</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">$</td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice6Member_zmm4YNLjfJg9" style="text-align: right" title="Exercise Price">16.73</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice6Member_zClv6g5de7Z7" style="text-align: right" title="Number of Options Outstanding">10,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice6Member_zC8PkbO3soEc" style="text-align: right" title="Weighted Average Remaining Contractual Life">8.33</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_989_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice6Member_zwpNGTWxCRte" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">16.73</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_984_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice6Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">167,300</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice6Member_zcvH49KMWzG5" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">16.73</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice7Member_zNO1nu3ViJO" style="text-align: right" title="Exercise Price">18.23</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice7Member_zCMqFXabNusg" style="text-align: right" title="Number of Options Outstanding">32,450</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice7Member_zcP5iimJEaqg" style="text-align: right" title="Weighted Average Remaining Contractual Life">6.25</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice7Member_zdCB7FKmyKKj" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">18.23</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice7Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">591,564</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_985_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice7Member_zTa4a48wCgEd" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">18.23</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">$</td><td id="xdx_98B_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice8Member_zmJBA03RnZ8b" style="text-align: right" title="Exercise Price">19.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice8Member_znsDGi6N0oh2" style="text-align: right" title="Number of Options Outstanding">2,750</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice8Member_z7wpm8dKUCJh" style="text-align: right" title="Weighted Average Remaining Contractual Life">8.33</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_987_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice8Member_zYug5qZ4lYXf" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">19.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice8Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">52,250</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_984_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice8Member_zvx9mRU5G0Zh" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">19.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">$</td><td id="xdx_98F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice9Member_zoBpGDYd1jja" style="text-align: right" title="Exercise Price">19.82</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice9Member_zSoRgE2wQKT5" style="text-align: right" title="Number of Options Outstanding">7,225</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice9Member_zdy3nbVKtSgh" style="text-align: right" title="Weighted Average Remaining Contractual Life">8.33</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98F_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice9Member_zAJnm3dimV48" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">19.82</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice9Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">143,200</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice9Member_zWMhkW3uu0W3" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">19.82</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">$</td><td id="xdx_981_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice10Member_z85H8kwJTp2h" style="text-align: right" title="Exercise Price">20.04</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice10Member_zzqYk6YnQgJa" style="text-align: right" title="Number of Options Outstanding">20,250</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice10Member_zYm6ykWiJ6R" style="text-align: right" title="Weighted Average Remaining Contractual Life">9.59</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice10Member_zRn5wnAJqHzc" style="text-align: right" title="Weighted Average Exercise Price of Options Outstanding">20.04</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_986_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice10Member_pp0p0" style="text-align: right" title="Intrinsic Value of Options Outstanding">405,810</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice10Member_zMF5qfmYkgjc" style="text-align: right" title="Weighted Average Exercise Price of Options Exercisable">20.04</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice11Member_zfWhQqhQ3bZ6" style="text-align: right" title="Exercise Price">21.10</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice11Member_zsXXVV4gFVDk" style="border-bottom: Black 1pt solid; text-align: right" title="Number of Options Outstanding">70,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice11Member_z5GxsNSvk5jd" style="border-bottom: Black 1pt solid; text-align: right" title="Weighted Average Remaining Contractual Life">9.33</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_988_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice11Member_zliY5ocb6MIh" style="border-bottom: Black 1pt solid; text-align: right" title="Weighted Average Exercise Price of Options Outstanding">21.10</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_987_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice11Member_pp0p0" style="border-bottom: Black 1pt solid; text-align: right" title="Intrinsic Value of Options Outstanding">1,477,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_989_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231__us-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansByExercisePriceRangeAxis__custom--ExercisePrice11Member_z2a6Ye3huZt8" style="border-bottom: Black 1pt solid; text-align: right" title="Weighted Average Exercise Price of Options Exercisable">21.10</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td style="border-bottom: Black 1pt solid; text-align: right">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_983_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions_iI_pid_uShares_c20211231_zkLDibO5AAg8" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of Options Outstanding">273,747</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98A_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2_dtY_c20210101__20211231_zAm93u1Vd8qi" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted Average Remaining Contractual Life">8.13</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1_iI_pid_uUSDPShares_c20211231_zJacn52CDfyg" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted Average Exercise Price of Options Outstanding">17.50</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_c20211231_pp0p0" style="border-bottom: Black 2.5pt double; text-align: right" title="Intrinsic Value of Options Outstanding">4,790,485</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_985_eus-gaap--ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfExercisableOptions_c20211231_pdd" style="border-bottom: Black 2.5pt double; text-align: right" title="Number of Options Exercisable">7,804</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeExercisableOptionsWeightedAverageExercisePrice1_iI_pid_uUSDPShares_c20211231_zRH7MX13FW3e" style="border-bottom: Black 2.5pt double; text-align: right" title="Weighted Average Exercise Price of Options Exercisable">12.17</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_c20211231_pp0p0" style="border-bottom: Black 2.5pt double; text-align: right" title="Intrinsic Value of Options Exercisable">60,923</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 9.18 1149 P0Y6M 9.18 10548 1149 9.18 12409 12.26 3992 P2Y6M29D 12.26 48942 2395 12.26 18490 12.40 969 P2Y 12.40 12016 775 12.40 5876 13.05 8712 P3Y3M29D 13.05 113692 3485 13.05 24148 15.21 116250 P8Y3M29D 15.21 1768163 15.21 16.73 10000 P8Y3M29D 16.73 167300 16.73 18.23 32450 P6Y3M 18.23 591564 18.23 19.00 2750 P8Y3M29D 19.00 52250 19.00 19.82 7225 P8Y3M29D 19.82 143200 19.82 20.04 20250 P9Y7M2D 20.04 405810 20.04 21.10 70000 P9Y3M29D 21.10 1477000 21.10 273747 P8Y1M17D 17.50 4790485 7804 12.17 60923 208259 139837 218116 103033 92986 78053 638443 P5Y3M3D <p id="xdx_808_ecustom--EmployeeStockOwnershipPlanAndTrustTextBlock_z8lYhKk6d7Hb" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b>15.</b></span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b><span style="text-decoration: underline"><span id="xdx_820_zxanyXpx9cs9">EMPLOYEE STOCK OWNERSHIP PLAN AND TRUST</span></span></b></span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We established an Employee Stock Ownership Plan (“ESOP”) effective January 1, 1989. Any employee of the Bank is eligible to become a participant in the ESOP upon reaching <span id="xdx_907_ecustom--MinimumAgeRequirement_iI_uNumber_c20211231__us-gaap--EmployeeStockOwnershipPlanESOPDisclosuresByPlanAxis__custom--EmployeeStockOwnershipPlanESOPPlanMember_z6py8nC46QAa" title="Minimum age requirement">21</span> years of age and credited with one-year of service (<span id="xdx_902_ecustom--HoursOfService_c20210101__20211231__us-gaap--EmployeeStockOwnershipPlanESOPDisclosuresByPlanAxis__custom--EmployeeStockOwnershipPlanESOPPlanMember_zym3tJZwY80a" title="Hours of service">1,000</span> hours of service). The employee may enter the Plan on the January 1<sup>st</sup> that occurs nearest the date on which the employee first satisfies the age and service requirements described above. No contributions by employees are permitted. The amount and time of contributions are at the sole discretion of the Board of Directors of the Bank. The contribution for all participants is based solely on each participant’s respective regular or base salary and wages paid by the Bank including commissions, bonuses and overtime, if any.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company recognizes expense when the contribution is approved by the Board of Directors. The total expenses amounted to $<span id="xdx_901_eus-gaap--EmployeeStockOwnershipPlanESOPCompensationExpense_pp0p0_c20210101__20211231__us-gaap--EmployeeStockOwnershipPlanESOPDisclosuresByPlanAxis__custom--EmployeeStockOwnershipPlanESOPPlanMember_zy9yv3eaG7B8" title="Stock-based compensation expense">540,000</span>, $<span id="xdx_905_eus-gaap--EmployeeStockOwnershipPlanESOPCompensationExpense_c20200101__20201231__us-gaap--EmployeeStockOwnershipPlanESOPDisclosuresByPlanAxis__custom--EmployeeStockOwnershipPlanESOPPlanMember_pp0p0" title="Stock-based compensation expense">540,000</span> and $<span id="xdx_904_eus-gaap--EmployeeStockOwnershipPlanESOPCompensationExpense_c20190101__20191231__us-gaap--EmployeeStockOwnershipPlanESOPDisclosuresByPlanAxis__custom--EmployeeStockOwnershipPlanESOPPlanMember_pp0p0" title="Stock-based compensation expense">510,000</span>, during the years ended December 31, 2021, 2020 and 2019, respectively. As of December 31, 2021, the plan owned <span id="xdx_90F_eus-gaap--EmployeeStockOwnershipPlanESOPSharesInESOP_c20211231__us-gaap--EmployeeStockOwnershipPlanESOPDisclosuresByPlanAxis__custom--EmployeeStockOwnershipPlanESOPPlanMember_pdd" title="Number of common shares the plan currently owns">361,565</span> shares of common stock of the Company.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">A participant vests in the ESOP based upon the participant’s credited years of service. The vesting schedule is as follows:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 9%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">●</span></td> <td style="width: 26%; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_908_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_dtY_c20210101__20211231__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheOneMember_zqHa0aHPtxy" title="Service period">1</span> Year of Service</span></td> <td style="width: 62%; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> <span id="xdx_90C_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_uPure_c20210101__20211231__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheOneMember_zXpaLQwENas7" title="Vested percentage">0</span>% Vested</span></td></tr> <tr style="vertical-align: top"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">●</span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_dtY_c20210101__20211231__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheTwoMember_zXMqatBCWJbk">2</span> Years of Service </span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> <span id="xdx_908_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_uPure_c20210101__20211231__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheTwoMember_zKJLlVt5Aahi">25</span>% Vested</span></td></tr> <tr style="vertical-align: top"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">●</span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90D_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_dtY_c20210101__20211231__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheThreeMember_zSoFlTKoRD4l">3</span> Years of Service</span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> <span id="xdx_908_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_uPure_c20210101__20211231__us-gaap--VestingAxis__us-gaap--ShareBasedCompensationAwardTrancheThreeMember_zeeIXfPrU6of">50</span>% Vested</span></td></tr> <tr style="vertical-align: top"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">●</span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90F_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_dtY_c20210101__20211231__us-gaap--VestingAxis__custom--ShareBasedCompensationAwardTrancheFourMember_z7dcUaM1AnFj">4</span> Years of Service</span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> <span id="xdx_90F_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_uPure_c20210101__20211231__us-gaap--VestingAxis__custom--ShareBasedCompensationAwardTrancheFourMember_zxxgD0x0kCM7">75</span>% Vested</span></td></tr> <tr style="vertical-align: top"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">●</span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_903_eus-gaap--ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardRequisiteServicePeriod1_dtY_c20210101__20211231__us-gaap--VestingAxis__custom--ShareBasedCompensationAwardTrancheFiveMember_zxEsySPE22F1">5</span> Years of Service</span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_904_eus-gaap--SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_dp_uPure_c20210101__20211231__us-gaap--VestingAxis__custom--ShareBasedCompensationAwardTrancheFiveMember_z2mcCdqqvboa">100</span>% Vested</span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Periodically, the Internal Revenue Service “IRS” requires a restatement of a qualified retirement plan to ensure that the plan document includes provisions required by legislative and regulatory changes made since the last restatement. There have been no substantive changes to the plan. The Board of Directors approved a restated plan, on January 26, 2012 (incorporated as Exhibit 10.5 in the 2011 10-K). The Plan was submitted to the IRS for approval and a determination letter was issued September 26, 2013, stating that the plan satisfies the requirements of Code Section 4975(e)(7). On January 26, 2017, the Board of Directors approved a restated plan (incorporated as Exhibit 10.6 in the 2016 10-K). The Plan was submitted to the IRS for approval and a determination letter was issued November 17, 2017, stating that the plan satisfies the requirements of Code Section 4975(e)(7).</span></p> 21 1000 540000 540000 510000 361565 P1Y 0 P2Y 0.25 P3Y 0.50 P4Y 0.75 P5Y 1 <p id="xdx_809_ecustom--DividendsDisclosureTextBlock_zLQqMzPoEnid" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 48px"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>16.</b></span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline"><span id="xdx_827_zftljtHmgl5f">DIVIDENDS</span></span></b></span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">The Bank’s ability to pay dividends to the Company is restricted by the laws and regulations of the State of South Carolina. Generally, these restrictions allow the Bank to pay dividends from current earnings without the prior written consent of the South Carolina Commissioner of Banking, if it received a satisfactory rating at its most recent examination. Cash dividends when declared, are paid by the Bank to the Company for distribution to shareholders of the Company. The Bank paid dividends of $<span id="xdx_903_eus-gaap--CashDividendsPaidToParentCompany_pn5n6_c20210101__20211231_zgdpKg29zZg2" title="Dividends paid to parent by subsidiaries">3.8</span> million, $<span id="xdx_903_eus-gaap--CashDividendsPaidToParentCompany_pn5n6_c20200101__20201231_z0h0p1xro88j" title="Dividends paid to parent by subsidiaries">4.7</span> million and $<span id="xdx_904_eus-gaap--CashDividendsPaidToParentCompany_pn5n6_c20190101__20191231_zTeLOiROn0aa" title="Dividends paid to parent by subsidiaries">4.2</span> million, to the Company during the years ended December 31, 2021, 2020 and 2019, respectively.</span></p> 3800000 4700000 4200000 <p id="xdx_80D_eus-gaap--EarningsPerShareTextBlock_zezT4Zd0rIm9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 48px"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>17.</b></span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b><span style="text-decoration: underline"><span id="xdx_82D_zJY1K1O2adAe">INCOME PER COMMON SHARE </span></span></b></span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.35pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89B_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_z2UowjzMHJ8g" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.35pt"><span style="font: 10pt Times New Roman, Times, Serif"><span id="xdx_8BD_zlRSP0hYw2mb">The following table is a summary of the reconciliation of weighted average shares outstanding for the years ended December 31:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.35pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_496_20210101__20211231_zRzREXLLONP5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20200101__20201231_zOIZvoNsuG17" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_497_20190101__20191231_zGr1fPBj7ymf" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_400_eus-gaap--NetIncomeLoss_i_pp0p0" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Net income</td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">6,744,865</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">6,460,631</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">7,318,433</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_maWAS_z4Pl2GDJtyZ4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Weighted average shares outstanding</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,531,518</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,526,948</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,522,025</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--WeightedAverageNumberDilutedSharesOutstandingAdjustment_maWAS_zIgK2kjMPQY" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Effect of dilutive shares</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">148,964</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">151,595</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">66,065</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_iT_mtWAS_zaXR9hvRZHJ6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Weighted average shares outstanding - diluted</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,680,482</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,678,543</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,588,090</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--EarningsPerShareBasic_pid_uUSDPShares_zfwCvpawK8g1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Earnings per share - basic</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.22</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.17</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.33</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--EarningsPerShareDiluted_pid_uUSDPShares_zbXZ77SFgG47" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Earnings per share - diluted</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.19</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.14</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.31</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A3_zs4gCNAGo8Ra" style="margin-top: 0; margin-bottom: 0"> </p> <p id="xdx_89B_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_z2UowjzMHJ8g" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.35pt"><span style="font: 10pt Times New Roman, Times, Serif"><span id="xdx_8BD_zlRSP0hYw2mb">The following table is a summary of the reconciliation of weighted average shares outstanding for the years ended December 31:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: -0.35pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_496_20210101__20211231_zRzREXLLONP5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49C_20200101__20201231_zOIZvoNsuG17" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_497_20190101__20191231_zGr1fPBj7ymf" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="text-align: center; padding-bottom: 1pt; font-weight: bold"> </td><td style="text-align: center; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_400_eus-gaap--NetIncomeLoss_i_pp0p0" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Net income</td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">6,744,865</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">6,460,631</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 1%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 10%; text-align: right">7,318,433</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_maWAS_z4Pl2GDJtyZ4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Weighted average shares outstanding</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,531,518</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,526,948</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">5,522,025</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--WeightedAverageNumberDilutedSharesOutstandingAdjustment_maWAS_zIgK2kjMPQY" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Effect of dilutive shares</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">148,964</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">151,595</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">66,065</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_iT_mtWAS_zaXR9hvRZHJ6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Weighted average shares outstanding - diluted</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,680,482</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,678,543</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">5,588,090</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--EarningsPerShareBasic_pid_uUSDPShares_zfwCvpawK8g1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in">Earnings per share - basic</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.22</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.17</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.33</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--EarningsPerShareDiluted_pid_uUSDPShares_zbXZ77SFgG47" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Earnings per share - diluted</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.19</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.14</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">1.31</td><td style="text-align: left"> </td></tr> </table> 6744865 6460631 7318433 5531518 5526948 5522025 148964 151595 66065 5680482 5678543 5588090 1.22 1.17 1.33 1.19 1.14 1.31 <p id="xdx_800_eus-gaap--RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_z70nuubEvhs" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 48px"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>18.</b></span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b><span style="text-decoration: underline"><span id="xdx_82C_z1kbz7OX1KL4">REGULATORY CAPITAL REQUIREMENTS </span></span></b></span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">The Company and the Bank are subject to various capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company and the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgements by the regulators about components, risk weightings, and other factors.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On July 2, 2013, the Federal Reserve Board approved the final rules implementing the Basel Committee on Banking Supervision’s (“BCBS”) capital guidelines for U.S. banks (“Basel III”). Following the actions by the Federal Reserve, the FDIC also approved regulatory capital requirements on July 9, 2013. The FDIC’s rule is identical in substance to the final rules issued by the Federal Reserve Bank.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Basel III became effective on January 1, 2015 and its purpose is to improve the quality and increase the quantity of capital for all banking organizations. The minimum requirements for the quantity and quality of capital were increased. The rule includes a new common equity Tier 1 capital (as defined in the regulation) to risk-weighted assets ratio of <span id="xdx_905_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_iI_dp_c20211231__us-gaap--RegulatoryAgencyAxis__custom--BaselIIIMember_zSrc1ko1bHE4" title="Tier 1 capital to risk-weighted assets ratio">4.50</span>% and a common equity Tier 1 capital conservation buffer of <span id="xdx_90C_eus-gaap--BankingRegulationCapitalConservationBufferCommonEquityTierOneRiskBasedCapitalActual_iI_dp_c20211231__us-gaap--RegulatoryAgencyAxis__custom--BaselIIIMember_zXE689u91Aoi" title="Common equity Tier 1 capital conservation buffer, percentage of risk-weighted assets">2.50</span>% of risk-weighted assets. The rule also raises the minimum ratio of Tier 1 capital to risk-weighted assets from <span id="xdx_90C_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_dp_c20211231__us-gaap--RegulatoryAgencyAxis__custom--PreBaselIIIMember_zGHfrmMIvspb" title="Minimum ratio of Tier 1 capital to risk-weighted assets">4.00</span>% to <span id="xdx_908_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_dp_c20211231__us-gaap--RegulatoryAgencyAxis__custom--BaselIIIMember_zswF2Tc1vrWh" title="Minimum ratio of Tier 1 capital to risk-weighted assets">6.00</span>% and requires a minimum leverage ratio of <span id="xdx_907_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_iI_dp_c20211231__us-gaap--RegulatoryAgencyAxis__custom--BaselIIIMember_zuFzVa5xNuzl" title="Minimum leverage ratio">4.00</span>%. In addition, the rule also implements strict eligibility criteria for regulatory capital instruments and improves the methodology for calculating risk-weighted assets to enhance risk sensitivity. All final rule requirements will be phased in over a multi-year schedule.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On November 4, 2019, the federal banking agencies jointly issued a final rule on an optional, simplified measure of capital adequacy for qualifying community banking organizations called the community bank leverage ratio (“CBLR”) framework effective on January 1, 2020. A qualifying community banking organization is defined as having less than $<span id="xdx_90D_eus-gaap--Assets_iI_pp0n9_c20211231__us-gaap--RegulatoryAgencyAxis__custom--CommunityBankLeverageRatioMember__srt--RangeAxis__srt--MaximumMember_zheAh6DNQEie" title="Assets">10</span> billion in total consolidated assets, a leverage ratio greater than <span id="xdx_906_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_iI_dp_uPure_c20211231__us-gaap--RegulatoryAgencyAxis__custom--CommunityBankLeverageRatioMember_zcRRa2BktCY4">9</span>%, off-balance sheet exposures of <span id="xdx_90C_ecustom--OffBalanceSheetExposurePercentageForCommunityBankingOrganization_iI_dp_uPure_c20211231__us-gaap--RegulatoryAgencyAxis__custom--CommunityBankLeverageRatioMember__srt--RangeAxis__srt--MaximumMember_z33rORVqepze" title="Off-balance sheet exposure percentage">25</span>% or less of total consolidated assets, and trading assets and liabilities of <span id="xdx_900_ecustom--TradingAssetsAndLiabilitiesPercentageForCommunityBankingOrganization_iI_dp_uPure_c20211231__us-gaap--RegulatoryAgencyAxis__custom--CommunityBankLeverageRatioMember__srt--RangeAxis__srt--MaximumMember_zoIlhavSZJUj" title="Trading assets and liabilities percentage">5</span>% or less of total consolidated assets. Additionally, the qualifying community banking institution must be a non-advanced approaches FDIC supervised institution. The final rule adopts Tier 1 capital and existing leverage ratio into the CBLR framework. The Bank adopted this rule as of September 30, 2020 and is no longer subject to other capital and leverage requirements. Under the CBLR framework, a qualifying community banking organization is deemed to have met the “well capitalized” ratio requirements and be in appliance with the generally applicable capital rule.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_893_eus-gaap--ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_zKzBDNKI1fQ6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B1_zFXVOOpDC5Tb">The following table presents the actual CBLR for the Bank and Company at:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 90%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 60%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_983_ecustom--CommunityBankLeverageRatio_iI_dp_uPure_c20211231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_ziwQ00SETtQi" style="width: 12%; text-align: center" title="CBLR">8.66%</td><td style="width: 1%; text-align: left"><span style="font: 10pt Times New Roman, Times, Serif"/></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_987_ecustom--CommunityBankLeverageRatio_iI_dp_uPure_c20201231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_ztaNVcyLqKVg" style="width: 12%; text-align: center" title="CBLR">10.19%</td><td style="width: 1%; text-align: left"/></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Company</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--CommunityBankLeverageRatio_iI_pid_dp_uPure_c20211231_zwCgTt3k1bp2" style="text-align: center" title="CBLR"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/>9.30%</td><td style="text-align: left"/><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--CommunityBankLeverageRatio_iI_pid_dp_uPure_c20201231_z2xn28UFu6id" style="text-align: center" title="CBLR">10.72%</td><td style="text-align: left"/></tr> </table> <p id="xdx_8A4_z57qoxL1jAqg" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif">We believe that the Company and the Bank meet all capital adequacy requirements to which they were subject at December 31, 2021 and 2020.</span></p> 0.0450 0.0250 0.0400 0.0600 0.0400 10000000000 0.09 0.25 0.05 <p id="xdx_893_eus-gaap--ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_zKzBDNKI1fQ6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B1_zFXVOOpDC5Tb">The following table presents the actual CBLR for the Bank and Company at:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 90%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td style="padding-bottom: 1pt"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 60%; text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank</span></td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_983_ecustom--CommunityBankLeverageRatio_iI_dp_uPure_c20211231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_ziwQ00SETtQi" style="width: 12%; text-align: center" title="CBLR">8.66%</td><td style="width: 1%; text-align: left"><span style="font: 10pt Times New Roman, Times, Serif"/></td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_987_ecustom--CommunityBankLeverageRatio_iI_dp_uPure_c20201231__srt--ConsolidatedEntitiesAxis__srt--SubsidiariesMember_ztaNVcyLqKVg" style="width: 12%; text-align: center" title="CBLR">10.19%</td><td style="width: 1%; text-align: left"/></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Company</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--CommunityBankLeverageRatio_iI_pid_dp_uPure_c20211231_zwCgTt3k1bp2" style="text-align: center" title="CBLR"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/>9.30%</td><td style="text-align: left"/><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--CommunityBankLeverageRatio_iI_pid_dp_uPure_c20201231_z2xn28UFu6id" style="text-align: center" title="CBLR">10.72%</td><td style="text-align: left"/></tr> </table> 0.0866 0.1019 0.0930 0.1072 <p id="xdx_804_eus-gaap--FairValueDisclosuresTextBlock_zGnzJOQ6EuI6" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font: 10pt Times New Roman, Times, Serif"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 48px"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>19.</b></span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b><span style="text-decoration: underline"><span id="xdx_820_zg5ucyQ2ABK6">DISCLOSURES REGARDING FAIR VALUE OF FINANCIAL INSTRUMENTS </span></span></b></span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 48px"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair value measurements apply whenever GAAP requires or permits assets or liabilities to be measured at fair value either on a recurring or nonrecurring basis. Fair value is the price that would be received to sell an asset or paid to transfer a liability in the principal or most advantageous market in an orderly transaction between market participants at the measurement date. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets or liabilities; it is not a forced transaction. GAAP establishes a hierarchy for inputs used in measuring fair value that maximizes the use of observable inputs and minimizes the use of unobservable inputs. Observable inputs, which are developed based on market data we have obtained from independent sources, are ones that market participants would use in pricing an asset or liability. Unobservable inputs, which are developed based on the best information available in the circumstances, reflect our estimate of assumptions that market participants would use in pricing an asset or liability.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p></td></tr> <tr style="vertical-align: top"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The fair value hierarchy gives the highest priority to unadjusted quoted market prices in active markets for identical assets or liabilities (Level 1 measurement) and the lowest priority to unobservable inputs (Level 3 measurement). The fair value hierarchy is broken down into three levels based on the reliability of inputs as follows:</span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 96px"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 24px"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">●</span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level 1: valuation is based upon unadjusted quoted market prices for identical instruments traded in active markets.</span></td></tr> <tr style="vertical-align: top"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">●</span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level 2: valuation is based upon quoted market prices for similar instruments traded in active markets, quoted market prices for identical or similar instruments traded in markets that are not active and model-based valuation techniques for which all significant assumptions are observable in the market or can be corroborated by market data.</span></td></tr> <tr style="vertical-align: top"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">●</span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level 3: valuation is derived from other valuation methodologies, including discounted cash flow models and similar techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in determining fair value.</span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 48px"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair value estimates are made at a specific point of time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale our entire holdings of a particular financial instrument. Because no active market exists for a significant portion of our financial instruments, fair value estimates are based on judgements regarding future expected loss experience, current economic conditions, current interest rates and prepayment trends, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgement and therefore cannot be determined with precision. Changes in any of these assumptions used in calculating fair value would also significantly affect the estimates. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of these estimates.</span></td></tr> <tr style="vertical-align: top"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following paragraphs describe the valuation methodologies used for assets recorded at fair value on a recurring basis:</span></td></tr> <tr style="vertical-align: top"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Investment Securities Available for Sale</span></span></td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 48px"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment securities are recorded at fair value on a recurring basis and are based upon quoted prices if available. If quoted prices are not available, fair value is measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange such as the New York Stock Exchange, or by dealers or brokers in active over-the counter markets. Level 2 securities include mortgage-backed securities issued by government sponsored entities, municipal bonds and corporate debt securities. Securities classified as Level 3 include asset-backed and municipal securities in less liquid markets.</span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Derivative Instruments</span></span></td></tr> <tr style="vertical-align: top"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Derivative instruments include interest rate lock commitments and forward sale commitments. These instruments are valued based on the change in the value of the underlying loan between the commitment date and the end of the period. We classify these instruments as Level 3.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">We had no embedded derivative instruments requiring separate accounting treatment. We had freestanding derivative instruments consisting of fixed rate conforming loan commitments with interest rate locks and commitments to sell fixed rate conforming loans on a best-efforts basis. We do not currently engage in hedging activities. Based on the short-term nature of mortgage loans to be sold (derivative contract), our derivative instruments were immaterial to our consolidated financial statements as of December 31, 2021 and 2020.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_896_eus-gaap--ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_zFNsoTl3oEhh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B8_zDliScpJSWC3">The following table presents information about assets measured at fair value on a recurring basis as of December 31, 2021 and 2020.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p></td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance as of December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 42%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">U.S. Treasury Notes</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zFE9Kun1l5u1" style="width: 10%; text-align: right" title="Investment securities available for sale">100,062,300</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zd3PhcKheR93" style="width: 10%; text-align: right" title="Investment securities available for sale">100,062,300</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Government-Sponsored Enterprises</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_z51AasRiOsPc" style="text-align: right" title="Investment securities available for sale">74,721,009</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zWVK3d9jOXa3" style="text-align: right" title="Investment securities available for sale">74,721,009</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Municipal Securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zCCxdmgSuHM2" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">13,080,133</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zr8DM3p0O2bg" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">24,484,047</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z8vrFykOCOlk" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">37,564,180</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Total</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zOt1SY28r5k8" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">100,062,300</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zJncelBJP5ji" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">87,801,142</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zOHGryUFEC02" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">24,484,047</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember_zSrUlLQ7AHE7" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">212,347,489</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>Balance as of December 31, 2020</b></span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Level 1</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Level 2</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Level 3</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total </b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">U.S. Treasury Notes</td><td> </td> <td style="text-align: left">$</td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zcnQ0IHHZWTd" style="text-align: right" title="Investment securities available for sale">20,410,550</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zJKJ410RP9j1" style="text-align: right" title="Investment securities available for sale">20,410,550</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Government-Sponsored Enterprises</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zXMVJhdtGTa4" style="text-align: right" title="Investment securities available for sale">97,852,806</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zeBxEEaqxhs6" style="text-align: right" title="Investment securities available for sale">97,852,806</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Municipal Securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zwXQljcJ7yH6" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">10,872,532</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zQH00l3OMnF7" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">5,683,930</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zfCLoxx4bSq1" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">16,556,462</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Total</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zrTMg86PxRdl" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">20,410,550</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zdhDKkJKTUE5" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">108,725,338</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zpStRoRX6lza" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">5,683,930</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember_zrDycAvnElZk" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">134,819,818</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> </table> <p id="xdx_8A0_zDun7V6cjJx8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font: 10pt Times New Roman, Times, Serif">There were no liabilities recorded at fair value on a recurring basis as of December 31, 2021 or 2020.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89A_eus-gaap--FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_zUKPM3dvWxD4" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B7_zWvE7myFpMjh">The following table reconciles the changes in assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2021 and 2020.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" id="xdx_49C_20210101__20211231_z2Ldj22k30H2" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" id="xdx_492_20200101__20201231_zhazrNcpdpE1" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"> 2021</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"> 2020</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr id="xdx_40F_eus-gaap--FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_iS_pp0p0" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 70%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Beginning balance</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">5,683,930</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">11,954,451</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_ecustom--TotalGainsOrLossesRealizedUnrealizedAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Total realized/unrealized gains (losses)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_i01_ztYsSba9Ag9c" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 20pt; text-indent: -0.125in">Included in earnings</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2417">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2418">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_i01_pp0p0" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 20pt; text-indent: -0.125in">Included in other comprehensive (loss) income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(79,883</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">110,479</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements_i01_pp0p0" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 20pt; text-indent: -0.125in">Purchases, issuances, and settlements net of maturities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">18,880,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(6,381,000</td><td style="text-align: left">)</td></tr> <tr id="xdx_402_eus-gaap--FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet_i01_pp0p0_zVX1m8oKDAE4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 20pt; text-indent: -0.125in">Transfers in and/or out of Level 3</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2426">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2427">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_iE_pp0p0" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Ending balance</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">24,484,047</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,683,930</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A9_z144rK1qHe0k" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">There were no transfers between fair value levels during the years ended December 31, 2021 or 2020.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following paragraphs describe the valuation methodologies used for assets recorded at fair value on a nonrecurring basis:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Impaired Loans</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Impaired loans are carried at the lower of recorded investment or fair value. The fair value of the collateral less estimated costs to sell is the most frequently used method. Typically, we review the most recent appraisal and, if it is over 12 to 18 months old, we may request a new third party appraisal. Depending on the particular circumstances surrounding the loan, including the location of the collateral, the date of the most recent appraisal and the value of the collateral relative to the recorded investment in the loan, we may order an independent appraisal immediately or, in some instances, may elect to perform an internal analysis. Specifically, as an example, in situations where the collateral on a nonperforming commercial real estate loan is out of our primary market area, we would typically order an independent appraisal immediately, at the earlier of the date the loan becomes nonperforming or immediately following the determination that the loan is impaired.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">However, as a second example, on a nonperforming commercial real estate loan where we are familiar with the property and surrounding areas and where the original appraisal value far exceeds the recorded investment in the loan, we may perform an internal analysis whereby the previous appraisal value would be reviewed considering recent current conditions, and known recent sales or listings of similar properties in the area, and any other relevant economic trends. This analysis may result in the call for a new appraisal. These valuations are reviewed and updated on a quarterly basis.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In accordance with ASC 820, <i>Fair Value Measurement,</i> impaired loans, where an allowance is established based on the fair value of collateral, require classification in the fair value hierarchy. These impaired loans are classified as Level 3. Impaired loans measured using discounted future cash flows are not deemed to be measured at fair value.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Mortgage Loans to be Sold</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mortgage loans to be sold are carried at the lower of cost or market value. The fair values of mortgage loans to be sold are based on current market rates from investors within the secondary market for loans with similar characteristics. Carrying value approximates fair value. These loans are classified as Level 2.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_899_eus-gaap--FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_zopUQ5eAnTxi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain assets and liabilities are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). <span id="xdx_8B1_zGS0mIci8kr2">The following tables present information about certain assets measured at fair value on a nonrecurring basis as of December 31, 2021 and 2020.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left">Impaired loans</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_ecustom--ImpairedLoansFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pp0p0" style="width: 10%; text-align: right" title="Impaired loans">1,902,879</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_ecustom--ImpairedLoansFairValueDisclosure_pp0p0_maTFV_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember_zXuNVyOpc57g" style="width: 10%; text-align: right" title="Impaired loans">1,902,879</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Mortgage loans to be sold</td><td> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--LoansHeldForSaleFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="border-bottom: Black 1pt solid; text-align: right" title="Mortgage loans to be sold">2,774,388</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--LoansHeldForSaleFairValueDisclosure_pp0p0_maTFV_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember_zLrLIOm2mAF2" style="border-bottom: Black 1pt solid; text-align: right" title="Mortgage loans to be sold">2,774,388</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Total</td><td> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--AssetsFairValueDisclosure_iTI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_z36iOAJr0VQi" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">2,774,388</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--AssetsFairValueDisclosure_iTI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zxV9PUx3mVya" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">1,902,879</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--AssetsFairValueDisclosure_iTI_pp0p0_mtTFV_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember_zlvv6fjt2Io" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">4,677,267</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left">Impaired loans</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_ecustom--ImpairedLoansFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pp0p0" style="width: 10%; text-align: right" title="Impaired loans">5,419,726</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_ecustom--ImpairedLoansFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember_pp0p0" style="width: 10%; text-align: right" title="Impaired loans">5,419,726</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Mortgage loans to be sold</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--LoansHeldForSaleFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="border-bottom: Black 1pt solid; text-align: right" title="Mortgage loans to be sold">12,965,733</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansHeldForSaleFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember_pp0p0" style="border-bottom: Black 1pt solid; text-align: right" title="Mortgage loans to be sold">12,965,733</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--AssetsFairValueDisclosure_iTI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_z5juAcAsxc74" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">12,965,733</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--AssetsFairValueDisclosure_iTI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zgmrzdcu9N25" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">5,419,726</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--AssetsFairValueDisclosure_iTI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember_zqfETctupS17" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">18,385,459</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A7_zIP0wZhs9C26" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">There were no liabilities measured at fair value on a nonrecurring basis as of December 31, 2021 or 2020.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_897_eus-gaap--FairValueAssetsMeasuredOnNonrecurringBasisValuationTechniquesTextBlock_z4BumDKHu5X7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B9_zJ0bXAK88nO4">The following table provides information describing the unobservable inputs used in Level 3 fair value measurements at December 31, 2021:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 94%; border-collapse: collapse; margin-left: 0.5in"> <tr style="vertical-align: top"> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="5" style="border-bottom: black 1pt solid; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Inputs</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="width: 18%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 2%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: black 1pt solid; width: 25%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Valuation</b></span><span style="font-size: 10pt"><br/> <span style="font-family: Times New Roman, Times, Serif"><b>Technique</b></span></span></td> <td style="width: 2%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: black 1pt solid; width: 25%"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Unobservable</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Input</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p></td> <td style="width: 2%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 25%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>General Range</b></span><span style="font-size: 10pt"><br/> <span style="font-family: Times New Roman, Times, Serif"><b>of Inputs</b></span></span></td></tr> <tr style="vertical-align: top"> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Impaired Loans </span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Appraisal Value/Comparison Sales/Other Estimates</span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Appraisals and/or Sales of Comparable Properties</span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-top: black 1pt solid; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Appraisals Discounted <span id="xdx_902_ecustom--ImpairedLoansMeasurementInput_iI_pid_dp_uPure_c20211231__us-gaap--ValuationTechniqueAxis__us-gaap--MarketApproachValuationTechniqueMember__us-gaap--MeasurementInputTypeAxis__us-gaap--MeasurementInputDiscountRateMember__srt--RangeAxis__srt--MinimumMember_zZ6sIAFckotd" title="Impaired loans">10</span>% to <span id="xdx_90E_ecustom--ImpairedLoansMeasurementInput_iI_pid_dp_uPure_c20211231__us-gaap--ValuationTechniqueAxis__us-gaap--MarketApproachValuationTechniqueMember__us-gaap--MeasurementInputTypeAxis__us-gaap--MeasurementInputDiscountRateMember__srt--RangeAxis__srt--MaximumMember_zR4Wt3bWxgNj" title="Impaired loans">20</span>% for Sales Commissions and Other Holding Costs</span></td></tr> </table> <p id="xdx_8AC_zll2oWg9nUwe" style="margin-top: 0; margin-bottom: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accounting standards require disclosure of fair value information for all of our assets and liabilities that are considered financial instruments, whether or not recognized on the balance sheet, for which it is practicable to estimate fair value.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Under the accounting standard, fair value estimates are based on existing financial instruments without attempting to estimate the value of anticipated future business and the value of the assets and liabilities that are not financial instruments. Accordingly, the aggregate fair value amounts of existing financial instruments do not represent the underlying value of those instruments on our books.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following paragraphs describe the methods and assumptions we use in estimating the fair values of financial instruments:</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">a. <span style="text-decoration: underline">Cash and due from banks, interest-bearing deposits at the Federal Reserve Bank</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The carrying value approximates fair value. All instruments mature within 90 days and do not present unanticipated credit concerns.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">b. <span style="text-decoration: underline">Investment securities available for sale</span> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment securities available for sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">c. <span style="text-decoration: underline">Loans</span> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The fair value of the Company’s loan portfolio includes a credit risk assumption in the determination of the fair value of its loans. This credit risk assumption is intended to approximate the fair value that a market participant would realize in a hypothetical orderly transaction. The Company’s loan portfolio is initially fair valued using a segmented approach. The Company divides its loan portfolio into the following categories: variable rate loans, impaired loans and all other loans. The results are then adjusted to account for credit risk as described above. However, under the new guidance, the Company believes a further credit risk discount must be applied through the use of a discounted cash flow model to compensate for illiquidity risk, based on certain assumptions included within the discounted cash flow model, primarily the use of discount rates that better capture inherent credit risk over the lifetime of a loan. Additionally, in accordance with ASU 2016-01, <i>Recognition and Measurement of Financial Assets and Liabilities</i>, this consideration of enhanced credit risk provides an estimated exit price for the Company’s loan portfolio.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">For variable-rate loans that reprice frequently and have no significant change in credit risk, fair values approximate carrying values. Fair values for impaired loans are estimated using discounted cash flow models or based on the fair value of the underlying collateral.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">d. <span style="text-decoration: underline">Deposits</span> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The estimated fair value of deposits with no stated maturity is equal to the carrying amount. The fair value of time deposits is estimated by discounting contractual cash flows, using interest rates currently being offered on the deposit products. The fair value estimates for deposits do not include the benefit that results from the low-cost funding provided by the deposit liabilities as compared to the cost of alternative forms of funding (deposit base intangibles).</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">e. <span style="text-decoration: underline">Accrued interest receivable and payable</span> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Since these financial instruments will typically be received or paid within three months, the carrying amounts of such instruments are deemed a reasonable estimate of fair value.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">f. <span style="text-decoration: underline">Loan commitments</span> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Estimates of the fair value of these off-balance sheet items are not made because of the short-term nature of these arrangements and the credit standing on the counterparties.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_890_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_zfMUi7364mEl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BB_zeGjqWEmNiGi">The following tables present the carrying amount, fair value, and placement in the fair value hierarchy of our financial instruments as of December 31, 2021 and 2020, respectively</span>.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements at December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Carrying<br/> Amount</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Estimated<br/> Fair Value</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Financial Assets:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -10pt; padding-left: 20pt; width: 38%; text-align: left">Cash and due from banks</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="width: 10%; text-align: right" title="Cash and due from banks">11,140,559</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="width: 10%; text-align: right" title="Cash and due from banks">11,140,559</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pp0p0" style="width: 9%; text-align: right" title="Cash and due from banks">11,140,559</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 20pt; text-align: left">Interest-bearing deposits at the Federal Reserve</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--InterestBearingDepositsAtFederalReserveFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Interest-bearing deposits at the Federal Reserve">128,971,429</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--InterestBearingDepositsAtFederalReserveFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Interest-bearing deposits at the Federal Reserve">128,971,429</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--InterestBearingDepositsAtFederalReserveFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pp0p0" style="text-align: right" title="Interest-bearing deposits at the Federal Reserve">128,971,429</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -10pt; padding-left: 20pt; text-align: left">Investment securities available for sale</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_z9BtsbXXi2d1" style="text-align: right" title="Investment securities available for sale">212,347,489</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_zVAwEdOEaPKe" style="text-align: right" title="Investment securities available for sale">212,347,489</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zvJhdSyMrsE2" style="text-align: right" title="Investment securities available for sale">100,062,300</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zNofT58neSN3" style="text-align: right" title="Investment securities available for sale">87,801,142</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_z5pr1Z3Sc5Fe" style="text-align: right" title="Investment securities available for sale">24,484,047</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 20pt; text-align: left">Mortgage loans to be sold</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--MortgagesHeldForSaleFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Mortgage loans to be sold">2,774,388</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--MortgagesHeldForSaleFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Mortgage loans to be sold">2,774,388</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--MortgagesHeldForSaleFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Mortgage loans to be sold">2,774,388</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 10pt; text-align: left">Loans, net</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansReceivableFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Loans, net">302,255,242</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansReceivableFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Loans, net">293,731,997</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansReceivableFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pp0p0" style="text-align: right" title="Loans, net">293,731,997</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 20pt; text-align: left">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--AccruedInterestReceivableFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Accrued interest receivable">1,404,227</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--AccruedInterestReceivableFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Accrued interest receivable">1,404,227</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--AccruedInterestReceivableFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Accrued interest receivable">1,404,227</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left">Financial Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left">Demand deposits</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--DemandDepositsFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Demand deposits">587,903,356</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--DemandDepositsFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Demand deposits">587,903,356</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--DemandDepositsFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Demand deposits">587,903,356</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 10pt; text-align: left">Time deposits</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--TimeDepositsFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Time deposits">21,288,220</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--TimeDepositsFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Time deposits">21,428,310</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--TimeDepositsFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Time deposits">21,428,310</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AccruedInterestPayableFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Accrued interest payable">14,914</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AccruedInterestPayableFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Accrued interest payable">14,914</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--AccruedInterestPayableFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Accrued interest payable">14,914</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements at December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Carrying <br/> Amount</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Estimated <br/> Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Financial Assets:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 38%; text-align: left; text-indent: -10pt; padding-left: 20pt">Cash and due from banks</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="width: 10%; text-align: right" title="Cash and due from banks">5,977,896</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="width: 10%; text-align: right" title="Cash and due from banks">5,977,896</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pp0p0" style="width: 9%; text-align: right" title="Cash and due from banks">5,977,896</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -10pt; padding-left: 20pt">Interest-bearing deposits at the Federal Reserve</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--InterestBearingDepositsAtFederalReserveFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Interest-bearing deposits at the Federal Reserve">42,348,085</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--InterestBearingDepositsAtFederalReserveFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Interest-bearing deposits at the Federal Reserve">42,348,085</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--InterestBearingDepositsAtFederalReserveFairValueDisclosure_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pp0p0" style="text-align: right" title="Interest-bearing deposits at the Federal Reserve">42,348,085</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -10pt; padding-left: 20pt">Investment securities available for sale</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_zXxEkDMFuJ6d" style="text-align: right" title="Investment securities available for sale">134,819,818</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_zLqbMxoXmQic" style="text-align: right" title="Investment securities available for sale">134,819,818</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zPP9M1taDS99" style="text-align: right" title="Investment securities available for sale">20,410,550</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zc7mQWLDaab7" style="text-align: right" title="Investment securities available for sale">108,725,338</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zcHvvHirGUN7" style="text-align: right" title="Investment securities available for sale">5,683,930</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -10pt; padding-left: 20pt">Mortgage loans to be sold</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--MortgagesHeldForSaleFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Mortgage loans to be sold">12,965,733</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--MortgagesHeldForSaleFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Mortgage loans to be sold">12,965,733</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--MortgagesHeldForSaleFairValueDisclosure_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Mortgage loans to be sold">12,965,733</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -10pt; padding-left: 20pt">Loans, net</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansReceivableFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Loans, net">316,616,979</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansReceivableFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Loans, net">308,721,680</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansReceivableFairValueDisclosure_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pp0p0" style="text-align: right" title="Loans, net">308,721,680</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -10pt; padding-left: 20pt">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AccruedInterestReceivableFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Accrued interest receivable">1,595,629</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--AccruedInterestReceivableFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Accrued interest receivable">1,595,629</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--AccruedInterestReceivableFairValueDisclosure_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Accrued interest receivable">1,595,629</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Financial Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -10pt; padding-left: 20pt">Demand deposits</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--DemandDepositsFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Demand deposits">441,498,500</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--DemandDepositsFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Demand deposits">441,498,500</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--DemandDepositsFairValueDisclosure_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Demand deposits">441,498,500</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -10pt; padding-left: 20pt">Time deposits</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--TimeDepositsFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Time deposits">20,699,131</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--TimeDepositsFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Time deposits">20,294,852</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--TimeDepositsFairValueDisclosure_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Time deposits">20,294,852</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -10pt; padding-left: 20pt">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--AccruedInterestPayableFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Accrued interest payable">20,707</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--AccruedInterestPayableFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Accrued interest payable">20,707</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--AccruedInterestPayableFairValueDisclosure_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Accrued interest payable">20,707</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8A0_zoKH690xxxo9" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_896_eus-gaap--ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_zFNsoTl3oEhh" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B8_zDliScpJSWC3">The following table presents information about assets measured at fair value on a recurring basis as of December 31, 2021 and 2020.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Balance as of December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 42%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">U.S. Treasury Notes</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zFE9Kun1l5u1" style="width: 10%; text-align: right" title="Investment securities available for sale">100,062,300</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zd3PhcKheR93" style="width: 10%; text-align: right" title="Investment securities available for sale">100,062,300</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Government-Sponsored Enterprises</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_z51AasRiOsPc" style="text-align: right" title="Investment securities available for sale">74,721,009</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zWVK3d9jOXa3" style="text-align: right" title="Investment securities available for sale">74,721,009</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Municipal Securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zCCxdmgSuHM2" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">13,080,133</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zr8DM3p0O2bg" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">24,484,047</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_z8vrFykOCOlk" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">37,564,180</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Total</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zOt1SY28r5k8" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">100,062,300</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zJncelBJP5ji" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">87,801,142</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zOHGryUFEC02" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">24,484,047</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember_zSrUlLQ7AHE7" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">212,347,489</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font: 10pt Times New Roman, Times, Serif"><b>Balance as of December 31, 2020</b></span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Level 1</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Level 2</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Level 3</b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Total </b></span></td><td style="padding-bottom: 1pt; font-weight: bold; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">U.S. Treasury Notes</td><td> </td> <td style="text-align: left">$</td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zcnQ0IHHZWTd" style="text-align: right" title="Investment securities available for sale">20,410,550</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zJKJ410RP9j1" style="text-align: right" title="Investment securities available for sale">20,410,550</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Government-Sponsored Enterprises</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zXMVJhdtGTa4" style="text-align: right" title="Investment securities available for sale">97,852,806</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentSponsoredEnterprisesDebtSecuritiesMember_zeBxEEaqxhs6" style="text-align: right" title="Investment securities available for sale">97,852,806</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Municipal Securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zwXQljcJ7yH6" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">10,872,532</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zQH00l3OMnF7" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">5,683,930</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FinancialInstrumentAxis__us-gaap--USStatesAndPoliticalSubdivisionsMember_zfCLoxx4bSq1" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">16,556,462</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Total</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zrTMg86PxRdl" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">20,410,550</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zdhDKkJKTUE5" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">108,725,338</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zpStRoRX6lza" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">5,683,930</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left">$</td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember_zrDycAvnElZk" style="border-bottom: Black 1pt solid; text-align: right" title="Investment securities available for sale">134,819,818</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> </table> 100062300 100062300 74721009 74721009 13080133 24484047 37564180 100062300 87801142 24484047 212347489 20410550 20410550 97852806 97852806 10872532 5683930 16556462 20410550 108725338 5683930 134819818 <p id="xdx_89A_eus-gaap--FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_zUKPM3dvWxD4" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B7_zWvE7myFpMjh">The following table reconciles the changes in assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2021 and 2020.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" id="xdx_49C_20210101__20211231_z2Ldj22k30H2" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" id="xdx_492_20200101__20201231_zhazrNcpdpE1" style="font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">December 31,</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom; padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"> 2021</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom"> 2020</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr id="xdx_40F_eus-gaap--FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_iS_pp0p0" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 70%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Beginning balance</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">5,683,930</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">11,954,451</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_409_ecustom--TotalGainsOrLossesRealizedUnrealizedAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Total realized/unrealized gains (losses)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_i01_ztYsSba9Ag9c" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 20pt; text-indent: -0.125in">Included in earnings</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2417">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2418">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_i01_pp0p0" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 20pt; text-indent: -0.125in">Included in other comprehensive (loss) income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(79,883</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">110,479</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements_i01_pp0p0" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 20pt; text-indent: -0.125in">Purchases, issuances, and settlements net of maturities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">18,880,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(6,381,000</td><td style="text-align: left">)</td></tr> <tr id="xdx_402_eus-gaap--FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet_i01_pp0p0_zVX1m8oKDAE4" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 20pt; text-indent: -0.125in">Transfers in and/or out of Level 3</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2426">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2427">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_iE_pp0p0" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Ending balance</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">24,484,047</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">5,683,930</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 5683930 11954451 -79883 110479 18880000 -6381000 24484047 5683930 <p id="xdx_899_eus-gaap--FairValueAssetsMeasuredOnNonrecurringBasisTextBlock_zopUQ5eAnTxi" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain assets and liabilities are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when there is evidence of impairment). <span id="xdx_8B1_zGS0mIci8kr2">The following tables present information about certain assets measured at fair value on a nonrecurring basis as of December 31, 2021 and 2020.</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2021</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left">Impaired loans</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_ecustom--ImpairedLoansFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pp0p0" style="width: 10%; text-align: right" title="Impaired loans">1,902,879</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_ecustom--ImpairedLoansFairValueDisclosure_pp0p0_maTFV_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember_zXuNVyOpc57g" style="width: 10%; text-align: right" title="Impaired loans">1,902,879</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Mortgage loans to be sold</td><td> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--LoansHeldForSaleFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="border-bottom: Black 1pt solid; text-align: right" title="Mortgage loans to be sold">2,774,388</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--LoansHeldForSaleFairValueDisclosure_pp0p0_maTFV_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember_zLrLIOm2mAF2" style="border-bottom: Black 1pt solid; text-align: right" title="Mortgage loans to be sold">2,774,388</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Total</td><td> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--AssetsFairValueDisclosure_iTI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_z36iOAJr0VQi" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">2,774,388</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--AssetsFairValueDisclosure_iTI_pp0p0_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zxV9PUx3mVya" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">1,902,879</td><td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--AssetsFairValueDisclosure_iTI_pp0p0_mtTFV_c20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember_zlvv6fjt2Io" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">4,677,267</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in"> </p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Total</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left">Impaired loans</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_ecustom--ImpairedLoansFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pp0p0" style="width: 10%; text-align: right" title="Impaired loans">5,419,726</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_ecustom--ImpairedLoansFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember_pp0p0" style="width: 10%; text-align: right" title="Impaired loans">5,419,726</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Mortgage loans to be sold</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--LoansHeldForSaleFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="border-bottom: Black 1pt solid; text-align: right" title="Mortgage loans to be sold">12,965,733</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansHeldForSaleFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember_pp0p0" style="border-bottom: Black 1pt solid; text-align: right" title="Mortgage loans to be sold">12,965,733</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 2.5pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">—</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--AssetsFairValueDisclosure_iTI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_z5juAcAsxc74" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">12,965,733</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--AssetsFairValueDisclosure_iTI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zgmrzdcu9N25" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">5,419,726</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--AssetsFairValueDisclosure_iTI_pp0p0_c20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember_zqfETctupS17" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">18,385,459</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1902879 1902879 2774388 2774388 2774388 1902879 4677267 5419726 5419726 12965733 12965733 12965733 5419726 18385459 <p id="xdx_897_eus-gaap--FairValueAssetsMeasuredOnNonrecurringBasisValuationTechniquesTextBlock_z4BumDKHu5X7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B9_zJ0bXAK88nO4">The following table provides information describing the unobservable inputs used in Level 3 fair value measurements at December 31, 2021:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 94%; border-collapse: collapse; margin-left: 0.5in"> <tr style="vertical-align: top"> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="5" style="border-bottom: black 1pt solid; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Inputs</b></span></td></tr> <tr style="vertical-align: bottom"> <td style="width: 18%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 2%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: black 1pt solid; width: 25%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Valuation</b></span><span style="font-size: 10pt"><br/> <span style="font-family: Times New Roman, Times, Serif"><b>Technique</b></span></span></td> <td style="width: 2%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: black 1pt solid; width: 25%"><p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Unobservable</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Input</b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p></td> <td style="width: 2%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 25%; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>General Range</b></span><span style="font-size: 10pt"><br/> <span style="font-family: Times New Roman, Times, Serif"><b>of Inputs</b></span></span></td></tr> <tr style="vertical-align: top"> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Impaired Loans </span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Appraisal Value/Comparison Sales/Other Estimates</span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Appraisals and/or Sales of Comparable Properties</span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-top: black 1pt solid; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Appraisals Discounted <span id="xdx_902_ecustom--ImpairedLoansMeasurementInput_iI_pid_dp_uPure_c20211231__us-gaap--ValuationTechniqueAxis__us-gaap--MarketApproachValuationTechniqueMember__us-gaap--MeasurementInputTypeAxis__us-gaap--MeasurementInputDiscountRateMember__srt--RangeAxis__srt--MinimumMember_zZ6sIAFckotd" title="Impaired loans">10</span>% to <span id="xdx_90E_ecustom--ImpairedLoansMeasurementInput_iI_pid_dp_uPure_c20211231__us-gaap--ValuationTechniqueAxis__us-gaap--MarketApproachValuationTechniqueMember__us-gaap--MeasurementInputTypeAxis__us-gaap--MeasurementInputDiscountRateMember__srt--RangeAxis__srt--MaximumMember_zR4Wt3bWxgNj" title="Impaired loans">20</span>% for Sales Commissions and Other Holding Costs</span></td></tr> </table> 0.10 0.20 <p id="xdx_890_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_zfMUi7364mEl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8BB_zeGjqWEmNiGi">The following tables present the carrying amount, fair value, and placement in the fair value hierarchy of our financial instruments as of December 31, 2021 and 2020, respectively</span>.</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements at December 31, 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Carrying<br/> Amount</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Estimated<br/> Fair Value</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="border-bottom: Black 1pt solid; padding-bottom: 1pt; font-weight: bold"> </td><td style="border-bottom: Black 1pt solid; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left">Financial Assets:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -10pt; padding-left: 20pt; width: 38%; text-align: left">Cash and due from banks</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="width: 10%; text-align: right" title="Cash and due from banks">11,140,559</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="width: 10%; text-align: right" title="Cash and due from banks">11,140,559</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pp0p0" style="width: 9%; text-align: right" title="Cash and due from banks">11,140,559</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 20pt; text-align: left">Interest-bearing deposits at the Federal Reserve</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--InterestBearingDepositsAtFederalReserveFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Interest-bearing deposits at the Federal Reserve">128,971,429</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--InterestBearingDepositsAtFederalReserveFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Interest-bearing deposits at the Federal Reserve">128,971,429</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--InterestBearingDepositsAtFederalReserveFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pp0p0" style="text-align: right" title="Interest-bearing deposits at the Federal Reserve">128,971,429</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-indent: -10pt; padding-left: 20pt; text-align: left">Investment securities available for sale</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_z9BtsbXXi2d1" style="text-align: right" title="Investment securities available for sale">212,347,489</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_zVAwEdOEaPKe" style="text-align: right" title="Investment securities available for sale">212,347,489</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zvJhdSyMrsE2" style="text-align: right" title="Investment securities available for sale">100,062,300</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zNofT58neSN3" style="text-align: right" title="Investment securities available for sale">87,801,142</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_z5pr1Z3Sc5Fe" style="text-align: right" title="Investment securities available for sale">24,484,047</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 20pt; text-align: left">Mortgage loans to be sold</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--MortgagesHeldForSaleFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Mortgage loans to be sold">2,774,388</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--MortgagesHeldForSaleFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Mortgage loans to be sold">2,774,388</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--MortgagesHeldForSaleFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Mortgage loans to be sold">2,774,388</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 10pt; text-align: left">Loans, net</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansReceivableFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Loans, net">302,255,242</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansReceivableFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Loans, net">293,731,997</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansReceivableFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pp0p0" style="text-align: right" title="Loans, net">293,731,997</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-indent: -10pt; padding-left: 20pt; text-align: left">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--AccruedInterestReceivableFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Accrued interest receivable">1,404,227</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--AccruedInterestReceivableFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Accrued interest receivable">1,404,227</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--AccruedInterestReceivableFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Accrued interest receivable">1,404,227</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left">Financial Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left">Demand deposits</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--DemandDepositsFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Demand deposits">587,903,356</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--DemandDepositsFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Demand deposits">587,903,356</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--DemandDepositsFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Demand deposits">587,903,356</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 10pt; text-align: left">Time deposits</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--TimeDepositsFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Time deposits">21,288,220</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--TimeDepositsFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Time deposits">21,428,310</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--TimeDepositsFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Time deposits">21,428,310</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 10pt; text-align: left">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AccruedInterestPayableFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Accrued interest payable">14,914</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AccruedInterestPayableFairValueDisclosure_c20211231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Accrued interest payable">14,914</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--AccruedInterestPayableFairValueDisclosure_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Accrued interest payable">14,914</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="18" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fair Value Measurements at December 31, 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Carrying <br/> Amount</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Estimated <br/> Fair Value</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 1</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 2</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Level 3</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Financial Assets:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 38%; text-align: left; text-indent: -10pt; padding-left: 20pt">Cash and due from banks</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="width: 10%; text-align: right" title="Cash and due from banks">5,977,896</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="width: 10%; text-align: right" title="Cash and due from banks">5,977,896</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_eus-gaap--CashAndCashEquivalentsFairValueDisclosure_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pp0p0" style="width: 9%; text-align: right" title="Cash and due from banks">5,977,896</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 9%; text-align: right">—</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -10pt; padding-left: 20pt">Interest-bearing deposits at the Federal Reserve</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--InterestBearingDepositsAtFederalReserveFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Interest-bearing deposits at the Federal Reserve">42,348,085</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--InterestBearingDepositsAtFederalReserveFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Interest-bearing deposits at the Federal Reserve">42,348,085</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--InterestBearingDepositsAtFederalReserveFairValueDisclosure_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pp0p0" style="text-align: right" title="Interest-bearing deposits at the Federal Reserve">42,348,085</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -10pt; padding-left: 20pt">Investment securities available for sale</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_zXxEkDMFuJ6d" style="text-align: right" title="Investment securities available for sale">134,819,818</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_zLqbMxoXmQic" style="text-align: right" title="Investment securities available for sale">134,819,818</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zPP9M1taDS99" style="text-align: right" title="Investment securities available for sale">20,410,550</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zc7mQWLDaab7" style="text-align: right" title="Investment securities available for sale">108,725,338</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesDebtSecurities_iI_pp0p0_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zcHvvHirGUN7" style="text-align: right" title="Investment securities available for sale">5,683,930</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -10pt; padding-left: 20pt">Mortgage loans to be sold</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--MortgagesHeldForSaleFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Mortgage loans to be sold">12,965,733</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--MortgagesHeldForSaleFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Mortgage loans to be sold">12,965,733</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--MortgagesHeldForSaleFairValueDisclosure_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Mortgage loans to be sold">12,965,733</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -10pt; padding-left: 20pt">Loans, net</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansReceivableFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Loans, net">316,616,979</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansReceivableFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Loans, net">308,721,680</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansReceivableFairValueDisclosure_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pp0p0" style="text-align: right" title="Loans, net">308,721,680</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -10pt; padding-left: 20pt">Accrued interest receivable</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AccruedInterestReceivableFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Accrued interest receivable">1,595,629</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--AccruedInterestReceivableFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Accrued interest receivable">1,595,629</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--AccruedInterestReceivableFairValueDisclosure_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Accrued interest receivable">1,595,629</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; text-indent: -10pt; padding-left: 10pt">Financial Liabilities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -10pt; padding-left: 20pt">Demand deposits</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--DemandDepositsFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Demand deposits">441,498,500</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--DemandDepositsFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Demand deposits">441,498,500</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--DemandDepositsFairValueDisclosure_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Demand deposits">441,498,500</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -10pt; padding-left: 20pt">Time deposits</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--TimeDepositsFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Time deposits">20,699,131</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--TimeDepositsFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Time deposits">20,294,852</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--TimeDepositsFairValueDisclosure_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Time deposits">20,294,852</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -10pt; padding-left: 20pt">Accrued interest payable</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--AccruedInterestPayableFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--CarryingReportedAmountFairValueDisclosureMember_pp0p0" style="text-align: right" title="Accrued interest payable">20,707</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--AccruedInterestPayableFairValueDisclosure_c20201231__us-gaap--FairValueByMeasurementBasisAxis__us-gaap--EstimateOfFairValueFairValueDisclosureMember_pp0p0" style="text-align: right" title="Accrued interest payable">20,707</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--AccruedInterestPayableFairValueDisclosure_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pp0p0" style="text-align: right" title="Accrued interest payable">20,707</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—</td><td style="text-align: left"> </td></tr> </table> 11140559 11140559 11140559 128971429 128971429 128971429 212347489 212347489 100062300 87801142 24484047 2774388 2774388 2774388 302255242 293731997 293731997 1404227 1404227 1404227 587903356 587903356 587903356 21288220 21428310 21428310 14914 14914 14914 5977896 5977896 5977896 42348085 42348085 42348085 134819818 134819818 20410550 108725338 5683930 12965733 12965733 12965733 316616979 308721680 308721680 1595629 1595629 1595629 441498500 441498500 441498500 20699131 20294852 20294852 20707 20707 20707 <p id="xdx_80A_eus-gaap--CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_z4d0yPL4fo13" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 48px"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>20.</b></span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b><span style="text-decoration: underline"><span id="xdx_82A_zBD0U5n8QxSl">BANK OF SOUTH CAROLINA CORPORATION - PARENT COMPANY</span></span></b></span></td></tr> <tr style="vertical-align: top"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: justify"><p style="margin-top: 0; margin-bottom: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="margin-top: 0; margin-bottom: 0"><span style="font: 10pt Times New Roman, Times, Serif">The Company’s principal source of income is dividends from the Bank. Certain regulatory requirements restrict the amount of dividends which the Bank can pay to the Company. The Company’s principal asset is its investment in its Bank subsidiary. <span>The Company’s condensed statements of financial condition as of December 31, 2021 and 2020, and the related condensed statements of income and cash flows for the years ended December 31, 2021, 2020 and 2019, are as follows:</span></span></p></td></tr> </table> <p id="xdx_89C_esrt--ScheduleOfCondensedBalanceSheetTableTextBlock_zDFVioHnBL1l" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b><span id="xdx_8B7_zJoxeMCAyy1i">Condensed Statements of Financial Condition</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 90%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20211231_zPSOuJzXxCf2" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20201231_zgBQXGt8kw6h" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31 </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40B_eus-gaap--AssetsAbstract_iB_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zRUEh3iNRoN5" style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in">Assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--Cash_i01I_pp0p0_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_maAzYZS_ztKUrW9Gkq7l" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 70%; text-indent: -0.125in; padding-left: 0.25in">Cash</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,233,354</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,723,556</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--EquityMethodInvestments_i01I_pp0p0_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_maAzYZS_zKKK3H64IgT5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Investment in wholly-owned bank subsidiary</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">53,327,296</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">53,934,084</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--PrepaidExpenseAndOtherAssets_i01I_pp0p0_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_maAzYZS_zqLk53czJIIi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Other assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">298,998</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">261,196</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--Assets_i01TI_pp0p0_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_mtAzYZS_zESWobOmoxY1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Total assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">54,859,648</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">55,918,836</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--LiabilitiesAndStockholdersEquityAbstract_iB_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zx2TkSA8ZRBe" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Liabilities and shareholders’ equity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--OtherLiabilities_i01I_pp0p0_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_maLASEzsab_zGKQ1D0zcGS3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Other liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">942,015</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">938,480</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--StockholdersEquity_i01I_pp0p0_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_maLASEzsab_zRo1DaDj4LD" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Shareholders’ equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">53,917,633</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">54,980,356</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--LiabilitiesAndStockholdersEquity_i01TI_pp0p0_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_mtLASEzsab_zYfOm7jKmIC5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Total liabilities and shareholders’ equity</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">54,859,648</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">55,918,836</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A5_zjHBchOtTmj4" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </p> <p id="xdx_897_esrt--ScheduleOfCondensedIncomeStatementTableTextBlock_zjgVPpX7XAM7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_8B4_zkp9kkN3dOii">Condensed Statements of Income</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 90%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_492_20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zWeWdKjQcGMb" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zpa0rgnVSHIk" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49A_20190101__20191231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_z1BeVaW3Dnyi" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">For the year ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_404_eus-gaap--InterestIncomeExpenseNet_maNIL_zo0iCyfWiLDc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-align: left">Interest income</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">288</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">759</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,280</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net operating expenses</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--OperatingExpenses_iN_di_msNIL_c20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zcsPCNRyKbbj" style="text-align: right" title="Net operating expenses">(256,471</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--OperatingExpenses_iN_di_c20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zysLb25QI9Wd" style="text-align: right">(255,409</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--OperatingExpenses_iN_di_c20190101__20191231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zLbyrJd8UPr9" style="text-align: right">(221,510</td><td style="text-align: left">)</td></tr> <tr id="xdx_40C_ecustom--DividendsFromBank_maNIL_zU0w8Dym9pb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Dividends received fom bank</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,805,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,700,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,170,000</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--IncomeLossFromSubsidiariesNetOfTax_maNIL_zYe4OW7IzlAi" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Equity in undistributed earnings of subsidiary</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,196,048</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,015,281</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,368,663</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--NetIncomeLoss_iT_pp0p0_mtNIL_zbIoEAgs50se" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt">Net income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,744,865</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,460,631</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,318,433</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AC_zwwp2q0elkkl" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </p> <p id="xdx_893_esrt--ScheduleOfCondensedCashFlowStatementTableTextBlock_zzTIZ0TJ5TAj" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_8BD_zco53pJi0eoi">Condensed Statements of Cash Flows</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 90%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zuYZilgN4p3c" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_492_20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zzUwYudjIaIk" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20190101__20191231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zhqMbWvySMU" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">For the year ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40D_eus-gaap--NetCashProvidedByUsedInOperatingActivitiesAbstract_iB" style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Cash flows from operating activities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--NetIncomeLoss_i01_pp0p0_maNCPBUz0Tp_zEuPRlac1Pi4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Net income</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">6,744,865</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">6,460,631</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">7,318,433</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--ShareBasedCompensation_i01_pp0p0_maNCPBUz0Tp_zyg3bmTsXbqg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Stock-based compensation expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">103,033</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">92,986</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">78,053</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Equity in undistributed earnings of subsidiary</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--EquityInUndistributedEarningsOfSubsidiary_i01N_di_msNCPBUz0Tp_c20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_z9Xa17jzhB79" style="text-align: right" title="Equity in undistributed earnings of subsidiary">(3,196,048</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--EquityInUndistributedEarningsOfSubsidiary_i01N_di_msNILzQWP_c20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zRMNDw1H2Ddh" style="text-align: right">(2,015,280</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--EquityInUndistributedEarningsOfSubsidiary_i01N_di_msNILzQWP_c20190101__20191231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zmx2IjlHJs95" style="text-align: right">(3,368,663</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Decrease in other assets</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--IncreaseDecreaseInOtherCurrentAssets_i01N_di_msNCPBUz0Tp_c20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zDQteEXHyYoc" style="text-align: right" title="Decrease in other assets">(37,802</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--IncreaseDecreaseInOtherCurrentAssets_i01N_di_msNILzQWP_c20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zJU49nSQntqi" style="text-align: right">(36,590</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--IncreaseDecreaseInOtherCurrentAssets_i01N_di_msNILzQWP_c20190101__20191231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zYyXmCck6ji4" style="text-align: right">(45,979</td><td style="text-align: left">)</td></tr> <tr id="xdx_40F_eus-gaap--IncreaseDecreaseInOtherCurrentLiabilities_i01_pp0p0_maNCPBUz0Tp_zw2ZI0fEMs7j" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Increase in other liabilities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2672">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2673">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--NetCashProvidedByUsedInOperatingActivities_i01T_pp0p0_mtNCPBUz0Tp_maCPIDzgRe_zXRQxe3P8XMi" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Net cash provided by operating activities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,614,047</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,501,747</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,981,844</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--NetCashProvidedByUsedInFinancingActivitiesAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Cash flows from financing activities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Dividends paid</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PaymentsOfOrdinaryDividends_i01N_di_msNCPBUzb0e_c20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zI3YmKiioQ9" style="text-align: right" title="Dividends paid">(4,312,138</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PaymentsOfOrdinaryDividends_i01N_di_msNCPBUzb0e_c20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zNp6Q5L69eb3" style="text-align: right">(3,592,841</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PaymentsOfOrdinaryDividends_i01N_di_msNCPBUzb0e_c20190101__20191231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zxgENBo4VD26" style="text-align: right">(4,031,157</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Repurchase of common shares</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PaymentsForRepurchaseOfCommonStock_i01N_di_msNCPBUzb0e_c20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_ztboAo7DmfVf" style="text-align: right" title="Repurchase of common shares"><span style="-sec-ix-hidden: xdx2ixbrl2687">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PaymentsForRepurchaseOfCommonStock_i01N_di_msNCPBUzb0e_c20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zdcqRDo1XqKj" style="text-align: right">(398,868</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PaymentsForRepurchaseOfCommonStock_i01N_di_msNCPBUzb0e_c20190101__20191231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zEntkRqgfPUk" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2689">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--ProceedsFromStockOptionsExercised_i01_pp0p0_maNCPBUzb0e_zgLUuPPq5aM2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Stock options exercised</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">207,889</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">117,044</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">138,286</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Net cash used by financing activities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--NetCashProvidedByUsedInFinancingActivities_i01T_mtNCPBUzb0e_maCPIDzgRe_c20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_z0CNNQsd4b29" style="text-align: right" title="Net cash provided by (used in) financing activities">(4,104,249</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--NetCashProvidedByUsedInFinancingActivities_i01T_mtNCPBUzb0e_c20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zGvKBta0rvZ9" style="text-align: right">(3,874,665</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--NetCashProvidedByUsedInFinancingActivities_i01T_mtNCPBUzb0e_c20190101__20191231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zGy6lUBQRSuj" style="text-align: right">(3,892,871</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--CashPeriodIncreaseDecrease_iT_pp0p0_mtCPIDzgRe_zdqPzMj9DmQ9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Net (decrease) increase in cash</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(490,202</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">627,082</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">88,973</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--Cash_iS_pp0p0" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Cash at the beginning of the year</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,723,556</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,096,474</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,007,501</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--Cash_iE_pp0p0" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Cash at the end of the year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,233,354</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,723,556</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,096,474</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Supplemental disclosure for non-cash investing and financing activity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_ecustom--ChangeInDividendsPayable_i01_pp0p0" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Change in dividends payable</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,536</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">53,680</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">58,163</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AE_zomhHEG0KRhj" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_89C_esrt--ScheduleOfCondensedBalanceSheetTableTextBlock_zDFVioHnBL1l" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b><span id="xdx_8B7_zJoxeMCAyy1i">Condensed Statements of Financial Condition</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 90%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20211231_zPSOuJzXxCf2" style="text-align: center"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20201231_zgBQXGt8kw6h" style="text-align: center"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td colspan="5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">December 31 </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> 2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> 2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40B_eus-gaap--AssetsAbstract_iB_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zRUEh3iNRoN5" style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in">Assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--Cash_i01I_pp0p0_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_maAzYZS_ztKUrW9Gkq7l" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 70%; text-indent: -0.125in; padding-left: 0.25in">Cash</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,233,354</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,723,556</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--EquityMethodInvestments_i01I_pp0p0_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_maAzYZS_zKKK3H64IgT5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Investment in wholly-owned bank subsidiary</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">53,327,296</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">53,934,084</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--PrepaidExpenseAndOtherAssets_i01I_pp0p0_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_maAzYZS_zqLk53czJIIi" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Other assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">298,998</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">261,196</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--Assets_i01TI_pp0p0_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_mtAzYZS_zESWobOmoxY1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Total assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">54,859,648</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">55,918,836</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--LiabilitiesAndStockholdersEquityAbstract_iB_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zx2TkSA8ZRBe" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Liabilities and shareholders’ equity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--OtherLiabilities_i01I_pp0p0_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_maLASEzsab_zGKQ1D0zcGS3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Other liabilities</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">942,015</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">938,480</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--StockholdersEquity_i01I_pp0p0_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_maLASEzsab_zRo1DaDj4LD" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; text-indent: -0.125in; padding-left: 0.25in">Shareholders’ equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">53,917,633</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">54,980,356</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--LiabilitiesAndStockholdersEquity_i01TI_pp0p0_hsrt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_mtLASEzsab_zYfOm7jKmIC5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Total liabilities and shareholders’ equity</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">54,859,648</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">55,918,836</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1233354 1723556 53327296 53934084 298998 261196 54859648 55918836 942015 938480 53917633 54980356 54859648 55918836 <p id="xdx_897_esrt--ScheduleOfCondensedIncomeStatementTableTextBlock_zjgVPpX7XAM7" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_8B4_zkp9kkN3dOii">Condensed Statements of Income</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 90%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_492_20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zWeWdKjQcGMb" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zpa0rgnVSHIk" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49A_20190101__20191231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_z1BeVaW3Dnyi" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">For the year ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_404_eus-gaap--InterestIncomeExpenseNet_maNIL_zo0iCyfWiLDc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-align: left">Interest income</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">288</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">759</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,280</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Net operating expenses</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--OperatingExpenses_iN_di_msNIL_c20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zcsPCNRyKbbj" style="text-align: right" title="Net operating expenses">(256,471</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--OperatingExpenses_iN_di_c20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zysLb25QI9Wd" style="text-align: right">(255,409</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--OperatingExpenses_iN_di_c20190101__20191231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zLbyrJd8UPr9" style="text-align: right">(221,510</td><td style="text-align: left">)</td></tr> <tr id="xdx_40C_ecustom--DividendsFromBank_maNIL_zU0w8Dym9pb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Dividends received fom bank</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,805,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,700,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,170,000</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--IncomeLossFromSubsidiariesNetOfTax_maNIL_zYe4OW7IzlAi" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Equity in undistributed earnings of subsidiary</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,196,048</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,015,281</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,368,663</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--NetIncomeLoss_iT_pp0p0_mtNIL_zbIoEAgs50se" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt">Net income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,744,865</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,460,631</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,318,433</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 288 759 1280 256471 255409 221510 3805000 4700000 4170000 3196048 2015281 3368663 6744865 6460631 7318433 <p id="xdx_893_esrt--ScheduleOfCondensedCashFlowStatementTableTextBlock_zzTIZ0TJ5TAj" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><span style="font: 10pt Times New Roman, Times, Serif"><b> </b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_8BD_zco53pJi0eoi">Condensed Statements of Cash Flows</span></b></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 90%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zuYZilgN4p3c" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_492_20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zzUwYudjIaIk" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49F_20190101__20191231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zhqMbWvySMU" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="10" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">For the year ended December 31,</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2019</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_40D_eus-gaap--NetCashProvidedByUsedInOperatingActivitiesAbstract_iB" style="vertical-align: bottom"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Cash flows from operating activities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--NetIncomeLoss_i01_pp0p0_maNCPBUz0Tp_zEuPRlac1Pi4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 55%; text-align: left; padding-left: 0.125in; text-indent: -0.125in">Net income</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">6,744,865</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">6,460,631</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">7,318,433</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--ShareBasedCompensation_i01_pp0p0_maNCPBUz0Tp_zyg3bmTsXbqg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Stock-based compensation expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">103,033</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">92,986</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">78,053</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Equity in undistributed earnings of subsidiary</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--EquityInUndistributedEarningsOfSubsidiary_i01N_di_msNCPBUz0Tp_c20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_z9Xa17jzhB79" style="text-align: right" title="Equity in undistributed earnings of subsidiary">(3,196,048</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--EquityInUndistributedEarningsOfSubsidiary_i01N_di_msNILzQWP_c20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zRMNDw1H2Ddh" style="text-align: right">(2,015,280</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--EquityInUndistributedEarningsOfSubsidiary_i01N_di_msNILzQWP_c20190101__20191231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zmx2IjlHJs95" style="text-align: right">(3,368,663</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Decrease in other assets</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--IncreaseDecreaseInOtherCurrentAssets_i01N_di_msNCPBUz0Tp_c20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zDQteEXHyYoc" style="text-align: right" title="Decrease in other assets">(37,802</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--IncreaseDecreaseInOtherCurrentAssets_i01N_di_msNILzQWP_c20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zJU49nSQntqi" style="text-align: right">(36,590</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--IncreaseDecreaseInOtherCurrentAssets_i01N_di_msNILzQWP_c20190101__20191231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zYyXmCck6ji4" style="text-align: right">(45,979</td><td style="text-align: left">)</td></tr> <tr id="xdx_40F_eus-gaap--IncreaseDecreaseInOtherCurrentLiabilities_i01_pp0p0_maNCPBUz0Tp_zw2ZI0fEMs7j" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Increase in other liabilities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(1</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2672">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2673">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--NetCashProvidedByUsedInOperatingActivities_i01T_pp0p0_mtNCPBUz0Tp_maCPIDzgRe_zXRQxe3P8XMi" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Net cash provided by operating activities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,614,047</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,501,747</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,981,844</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--NetCashProvidedByUsedInFinancingActivitiesAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Cash flows from financing activities:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Dividends paid</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PaymentsOfOrdinaryDividends_i01N_di_msNCPBUzb0e_c20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zI3YmKiioQ9" style="text-align: right" title="Dividends paid">(4,312,138</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--PaymentsOfOrdinaryDividends_i01N_di_msNCPBUzb0e_c20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zNp6Q5L69eb3" style="text-align: right">(3,592,841</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--PaymentsOfOrdinaryDividends_i01N_di_msNCPBUzb0e_c20190101__20191231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zxgENBo4VD26" style="text-align: right">(4,031,157</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.125in; text-indent: -0.125in">Repurchase of common shares</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PaymentsForRepurchaseOfCommonStock_i01N_di_msNCPBUzb0e_c20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_ztboAo7DmfVf" style="text-align: right" title="Repurchase of common shares"><span style="-sec-ix-hidden: xdx2ixbrl2687">—</span></td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PaymentsForRepurchaseOfCommonStock_i01N_di_msNCPBUzb0e_c20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zdcqRDo1XqKj" style="text-align: right">(398,868</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--PaymentsForRepurchaseOfCommonStock_i01N_di_msNCPBUzb0e_c20190101__20191231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zEntkRqgfPUk" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2689">—</span></td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--ProceedsFromStockOptionsExercised_i01_pp0p0_maNCPBUzb0e_zgLUuPPq5aM2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Stock options exercised</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">207,889</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">117,044</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">138,286</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Net cash used by financing activities</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--NetCashProvidedByUsedInFinancingActivities_i01T_mtNCPBUzb0e_maCPIDzgRe_c20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_z0CNNQsd4b29" style="text-align: right" title="Net cash provided by (used in) financing activities">(4,104,249</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--NetCashProvidedByUsedInFinancingActivities_i01T_mtNCPBUzb0e_c20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zGvKBta0rvZ9" style="text-align: right">(3,874,665</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--NetCashProvidedByUsedInFinancingActivities_i01T_mtNCPBUzb0e_c20190101__20191231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zGy6lUBQRSuj" style="text-align: right">(3,892,871</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--CashPeriodIncreaseDecrease_iT_pp0p0_mtCPIDzgRe_zdqPzMj9DmQ9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Net (decrease) increase in cash</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(490,202</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">627,082</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">88,973</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--Cash_iS_pp0p0" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.125in; text-indent: -0.125in">Cash at the beginning of the year</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,723,556</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,096,474</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,007,501</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--Cash_iE_pp0p0" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.125in; text-indent: -0.125in">Cash at the end of the year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,233,354</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,723,556</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,096,474</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.125in; text-indent: -0.125in"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.125in; text-indent: -0.125in">Supplemental disclosure for non-cash investing and financing activity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_ecustom--ChangeInDividendsPayable_i01_pp0p0" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; text-indent: -0.125in; padding-left: 0.25in">Change in dividends payable</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">3,536</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">53,680</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">58,163</td><td style="text-align: left"> </td></tr> </table> 6744865 6460631 7318433 103033 92986 78053 3196048 2015280 3368663 37802 36590 45979 -1 3614047 4501747 3981844 4312138 3592841 4031157 398868 207889 117044 138286 -4104249 -3874665 -3892871 -490202 627082 88973 1723556 1096474 1007501 1233354 1723556 1096474 3536 53680 58163 <p id="xdx_80B_eus-gaap--QuarterlyFinancialInformationTextBlock_z6oayRseRBhc" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font: 10pt Times New Roman, Times, Serif"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 48px"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>21.</b></span></td> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><b><span style="text-decoration: underline"><span id="xdx_82A_zOpriVs9AYVk">QUARTERLY RESULTS OF OPERATIONS (UNAUDITED)</span></span></b></span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_899_eus-gaap--ScheduleOfQuarterlyFinancialInformationTableTextBlock_z8XhOLgPnlm2" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B8_z7ciSIHtIQxi">The tables below represent the quarterly results of operations for the years ended December 31, 2021 and 2020, respectively:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_498_20211001__20211231_zoYyz1QKJO5h" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_499_20210701__20210930_zQfCjdn4RkH6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_497_20210401__20210630_zFY85TqAuAmg" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20210101__20210331_zPT9UQjrEBe5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Fourth</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Third</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Second</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">First</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--InterestAndDividendIncomeOperating_zUWNBJXstyi8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left">Total interest and fee income</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,345,017</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,201,069</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,363,910</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,641,115</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--InterestExpense_zpKzDWmcaLRa" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Total interest expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">37,840</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">39,319</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">42,317</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">54,524</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--InterestIncomeExpenseNet_z2AePuob6yof" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Net interest income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,307,177</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,161,750</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,321,593</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,586,591</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--ProvisionForLoanAndLeaseLosses_zsUVBmkCmO98" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Provision for loan losses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2738">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2739">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2740">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">120,000</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--InterestIncomeExpenseAfterProvisionForLoanLoss_z63VISJ87w72" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Net interest income after provision for loan losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,307,177</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,161,750</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,321,593</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,466,591</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--NoninterestIncome_zFCifmsPwpKh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Total other income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">842,935</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,138,431</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">946,951</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">939,914</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--NoninterestExpense_zgNM1DfKMmIj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Total other expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,146,129</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,047,534</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,084,596</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,030,715</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_zdd94HT5WxPe" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Income before income tax expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,003,983</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,252,647</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,183,948</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,375,790</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--IncomeTaxExpenseBenefit_zZv19gXQ6LJ7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Income tax expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">464,814</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">525,710</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">515,264</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">565,715</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--NetIncomeLoss_zLolSU1GI3h6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Net income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,539,169</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,726,937</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,668,684</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,810,075</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--EarningsPerShareBasic_pid_uUSDPShares_zDiIu5j8fzgi" style="vertical-align: bottom; background-color: White"> <td>Basic income per common share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.28</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.30</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.33</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--EarningsPerShareDiluted_pid_uUSDPShares_zEPpqdslyx2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Diluted income per common share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.27</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.30</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.29</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.32</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_494_20201001__20201231_zlXHEMLbxHr7" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49A_20200701__20200930_zXG9TxivkzKj" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_491_20200401__20200630_zkWHDAVCxVH3" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_492_20200101__20200331_zEejXYHKItq1" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fourth</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Third</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Second</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">First</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_405_eus-gaap--InterestAndDividendIncomeOperating_zicBZRCBjIT3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left">Total interest and fee income</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,442,774</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,292,345</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,203,211</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,301,426</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--InterestExpense_zO6mpmVW7Yyc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Total interest expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">63,139</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">72,198</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">76,005</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">94,072</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--InterestIncomeExpenseNet_ziWm3FHPF2r4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Net interest income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,379,635</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,220,147</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,127,206</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,207,354</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--ProvisionForLoanAndLeaseLosses_zjkmgnoReVQg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Provision for loan losses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">200,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">40,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2803">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2804">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--InterestIncomeExpenseAfterProvisionForLoanLoss_zNIje7a9MCMe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Net interest income after provision for loan losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,179,635</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,180,147</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,127,206</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,207,354</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--NoninterestIncome_zAPoCFjcvqcb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Total other income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,095,596</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">978,052</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">703,622</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">627,631</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--NoninterestExpense_z1tGXme3ZC17" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Total other expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,011,191</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,934,998</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,870,223</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,856,521</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_zHkS0WtVWpH5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Income before income tax expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,264,040</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,223,201</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,960,605</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,978,464</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--IncomeTaxExpenseBenefit_znHeNRtBsEL1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Income tax expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">528,834</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">519,930</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">459,582</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">457,333</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--NetIncomeLoss_zdT2rygwLZNc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Net income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,735,206</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,703,271</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,501,023</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,521,131</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--EarningsPerShareBasic_pid_uUSDPShares_zLXeSKwyN9uf" style="vertical-align: bottom; background-color: White"> <td>Basic income per common share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.27</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.28</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--EarningsPerShareDiluted_pid_uUSDPShares_zgrPTKLqN6N2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Diluted income per common share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.30</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.26</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.27</td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AC_z6h2bBnb6fpe" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_899_eus-gaap--ScheduleOfQuarterlyFinancialInformationTableTextBlock_z8XhOLgPnlm2" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_8B8_z7ciSIHtIQxi">The tables below represent the quarterly results of operations for the years ended December 31, 2021 and 2020, respectively:</span></span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_498_20211001__20211231_zoYyz1QKJO5h" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_499_20210701__20210930_zQfCjdn4RkH6" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_497_20210401__20210630_zFY85TqAuAmg" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49E_20210101__20210331_zPT9UQjrEBe5" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2021</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Fourth</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Third</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">Second</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td><td style="font-weight: bold; padding-bottom: 1pt; text-align: center; vertical-align: bottom"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center; vertical-align: bottom">First</td><td style="padding-bottom: 1pt; font-weight: bold; text-align: center; vertical-align: bottom"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--InterestAndDividendIncomeOperating_zUWNBJXstyi8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left">Total interest and fee income</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,345,017</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,201,069</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,363,910</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,641,115</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--InterestExpense_zpKzDWmcaLRa" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Total interest expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">37,840</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">39,319</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">42,317</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">54,524</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--InterestIncomeExpenseNet_z2AePuob6yof" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Net interest income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,307,177</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,161,750</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,321,593</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,586,591</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--ProvisionForLoanAndLeaseLosses_zsUVBmkCmO98" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Provision for loan losses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2738">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2739">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2740">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">120,000</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--InterestIncomeExpenseAfterProvisionForLoanLoss_z63VISJ87w72" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Net interest income after provision for loan losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,307,177</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,161,750</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,321,593</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,466,591</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--NoninterestIncome_zFCifmsPwpKh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Total other income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">842,935</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,138,431</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">946,951</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">939,914</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--NoninterestExpense_zgNM1DfKMmIj" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Total other expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,146,129</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,047,534</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,084,596</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,030,715</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_zdd94HT5WxPe" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Income before income tax expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,003,983</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,252,647</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,183,948</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,375,790</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--IncomeTaxExpenseBenefit_zZv19gXQ6LJ7" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Income tax expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">464,814</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">525,710</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">515,264</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">565,715</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--NetIncomeLoss_zLolSU1GI3h6" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Net income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,539,169</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,726,937</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,668,684</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,810,075</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--EarningsPerShareBasic_pid_uUSDPShares_zDiIu5j8fzgi" style="vertical-align: bottom; background-color: White"> <td>Basic income per common share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.28</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.30</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.33</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--EarningsPerShareDiluted_pid_uUSDPShares_zEPpqdslyx2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Diluted income per common share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.27</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.30</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.29</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.32</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 94%; margin-left: 0.5in"> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_494_20201001__20201231_zlXHEMLbxHr7" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_49A_20200701__20200930_zXG9TxivkzKj" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_491_20200401__20200630_zkWHDAVCxVH3" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td> <td id="xdx_492_20200101__20200331_zEejXYHKItq1" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center"> </td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="14" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">2020</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Fourth</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Third</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">Second</td><td style="padding-bottom: 1pt; font-weight: bold"> </td><td style="font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="2" style="border-bottom: Black 1pt solid; font-weight: bold; text-align: center">First</td><td style="padding-bottom: 1pt; font-weight: bold"> </td></tr> <tr id="xdx_405_eus-gaap--InterestAndDividendIncomeOperating_zicBZRCBjIT3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; text-align: left">Total interest and fee income</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,442,774</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,292,345</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,203,211</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">4,301,426</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--InterestExpense_zO6mpmVW7Yyc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Total interest expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">63,139</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">72,198</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">76,005</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">94,072</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--InterestIncomeExpenseNet_ziWm3FHPF2r4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Net interest income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,379,635</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,220,147</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,127,206</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,207,354</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--ProvisionForLoanAndLeaseLosses_zjkmgnoReVQg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt">Provision for loan losses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">200,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">40,000</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2803">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2804">—</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--InterestIncomeExpenseAfterProvisionForLoanLoss_zNIje7a9MCMe" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left">Net interest income after provision for loan losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,179,635</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,180,147</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,127,206</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,207,354</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--NoninterestIncome_zAPoCFjcvqcb" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Total other income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,095,596</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">978,052</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">703,622</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">627,631</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--NoninterestExpense_z1tGXme3ZC17" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Total other expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,011,191</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,934,998</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,870,223</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,856,521</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_zHkS0WtVWpH5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left">Income before income tax expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,264,040</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,223,201</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,960,605</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,978,464</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--IncomeTaxExpenseBenefit_znHeNRtBsEL1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt">Income tax expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">528,834</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">519,930</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">459,582</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">457,333</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--NetIncomeLoss_zdT2rygwLZNc" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt">Net income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,735,206</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,703,271</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,501,023</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,521,131</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--EarningsPerShareBasic_pid_uUSDPShares_zLXeSKwyN9uf" style="vertical-align: bottom; background-color: White"> <td>Basic income per common share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.27</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.28</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--EarningsPerShareDiluted_pid_uUSDPShares_zgrPTKLqN6N2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td>Diluted income per common share</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.30</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.26</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">0.27</td><td style="text-align: left"> </td></tr> </table> 4345017 4201069 4363910 4641115 37840 39319 42317 54524 4307177 4161750 4321593 4586591 120000 4307177 4161750 4321593 4466591 842935 1138431 946951 939914 3146129 3047534 3084596 3030715 2003983 2252647 2183948 2375790 464814 525710 515264 565715 1539169 1726937 1668684 1810075 0.28 0.31 0.30 0.33 0.27 0.30 0.29 0.32 4442774 4292345 4203211 4301426 63139 72198 76005 94072 4379635 4220147 4127206 4207354 200000 40000 4179635 4180147 4127206 4207354 1095596 978052 703622 627631 3011191 2934998 2870223 2856521 2264040 2223201 1960605 1978464 528834 519930 459582 457333 1735206 1703271 1501023 1521131 0.31 0.31 0.27 0.28 0.31 0.30 0.26 0.27 Elliott Davis, LLC Greenville, South Carolina 149 EXCEL 116 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx M4$L#!!0 ( !Q(9%0'04UB@0 +$ 0 9&]C4')O<',O87!P+GAM M;$V./0L",1!$_\IQO;=!P4)B0-!2L+(/>QLOD&1#LD)^OCG!CVX>;QA&WPIG M*N*I#BV&5(_C(I(/ !47BK9.7:=N')=HI6-Y #OGDK7A.YNJQ<&4GPZ4A!0W_J=0U[R;UEA_6\#MI7E!+ P04 M " <2&14@\RY].X K @ $0 &1O8U!R;W!S+V-O&ULS9+! 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