0001171843-18-003704.txt : 20180509 0001171843-18-003704.hdr.sgml : 20180509 20180509083308 ACCESSION NUMBER: 0001171843-18-003704 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 66 CONFORMED PERIOD OF REPORT: 20180331 FILED AS OF DATE: 20180509 DATE AS OF CHANGE: 20180509 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST CAPITAL INC CENTRAL INDEX KEY: 0001070296 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 352056949 STATE OF INCORPORATION: IN FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-25023 FILM NUMBER: 18816787 BUSINESS ADDRESS: STREET 1: 220 FEDERAL DRIVE N W CITY: CORYDON STATE: IN ZIP: 47112 BUSINESS PHONE: 8127382198 MAIL ADDRESS: STREET 1: 220 FEDERAL DRIVE N W CITY: CORYDON STATE: IN ZIP: 47112 10-Q 1 f10q_050918p.htm FORM 10-Q

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

 

FORM 10-Q

 

(Mark One)

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

 

For the quarterly period ended March 31, 2018

 

OR

 

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

 

For the transition period from_____________________ to__________________

 

Commission File No. 0-25023

 

First Capital, Inc.

(Exact name of registrant as specified in its charter)

 

Indiana 35-2056949
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification Number)

 

220 Federal Drive NW, Corydon, Indiana  47112 1-812-738-2198
(Address of principal executive offices, zip code, telephone number)

 

Not applicable
(Former name, former address and former fiscal year, if changed since last report)

 

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   X    No ____

 

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes    X    No _____

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a small 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.

 

(Check one):    Large Accelerated Filer ___    Accelerated Filer   X     Non-accelerated Filer ___
  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 for 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    X   

 

Indicate the number of shares outstanding of each of the issuer's classes of common stock, as of the latest practicable date: 3,356,964 shares of common stock were outstanding as of April 27, 2018.

 

 

 

FIRST CAPITAL, INC.

 

INDEX

 

Part I Financial Information Page
     
  Item 1. Consolidated Financial Statements  
     
  Consolidated Balance Sheets as of March 31, 2018 and December 31, 2017 (unaudited) 3
   
  Consolidated Statements of Income for the three months ended March 31, 2018 and 2017 (unaudited) 4
   
  Consolidated Statements of Comprehensive Income (Loss) for the three months ended March 31, 2018 and 2017 (unaudited) 5
   
  Consolidated Statements of Changes in Stockholders’ Equity for the three months ended March 31, 2018 and 2017 (unaudited) 6
   
  Consolidated Statements of Cash Flows for the three months ended March 31, 2018 and 2017 (unaudited) 7
     
  Notes to Consolidated Financial Statements (unaudited) 8-38
     
  Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations 39-43
     
  Item 3. Quantitative and Qualitative Disclosures About Market Risk 44-47
     
  Item 4. Controls and Procedures 47
     
Part II Other Information  
     
  Item 1. Legal Proceedings 48
     
  Item 1A. Risk Factors 48
     
  Item 2. Unregistered Sales of Equity Securities and Use of Proceeds 48
     
  Item 3. Defaults Upon Senior Securities 48
     
  Item 4. Mine Safety Disclosures 48
     
  Item 5. Other Information 48
     
  Item 6. Exhibits 49
     
Signatures  

 

 

- 2 -

 

PART I - FINANCIAL INFORMATION

FIRST CAPITAL, INC.

CONSOLIDATED BALANCE SHEETS

(Unaudited)

 

 
 
 
 
March 31,
2018
 
 
December 31,
2017
   (In thousands)
ASSETS      
Cash and due from banks  $15,298   $19,478 
Interest bearing deposits with banks   2,644    730 
Federal funds sold   21,543    5,707 
Total cash and cash equivalents   39,485    25,915 
           
Interest-bearing time deposits   8,019    9,258 
Securities available for sale, at fair value   264,843    271,172 
Securities-held to maturity   -    1 
Loans, net   407,279    409,618 
Loans held for sale   2,141    2,630 
Federal Home Loan Bank and other stock, at cost   1,979    1,979 
Foreclosed real estate   3,809    3,971 
Premises and equipment   14,806    15,031 
Accrued interest receivable   2,650    2,694 
Cash value of life insurance   8,322    7,279 
Goodwill   6,472    6,472 
Core deposit intangible   1,076    1,112 
Other assets   6,443    1,824 
           
Total Assets  $767,324   $758,956 
           
LIABILITIES          
Deposits:          
Noninterest-bearing  $139,111   $129,828 
Interest-bearing   542,460    534,734 
Total deposits   681,571    664,562 
           
Advances from Federal Home Loan Bank   -    10,000 
Accrued interest payable   98    107 
Accrued expenses and other liabilities   6,209    3,237 
Total liabilities   687,878    677,906 
           
EQUITY          
Preferred stock of $.01 par value per share          
Authorized 1,000,000 shares; none issued   -    - 
Common stock of $.01 par value per share Authorized 7,500,000 shares; issued 3,782,933 shares (3,762,933 in 2017); outstanding 3,356,964 shares (3,336,964 in 2017)   38    38 
Additional paid-in capital   40,263    39,515 
Retained earnings-substantially restricted   53,333    51,972 
Unearned stock compensation   (911)   (212)
Accumulated other comprehensive loss   (5,077)   (2,060)
Less treasury stock, at cost - 425,969 shares   (8,315)   (8,315)
Total First Capital, Inc. stockholders' equity   79,331    80,938 
           
Noncontrolling interest in subsidiary   115    112 
Total equity   79,446    81,050 
           
Total Liabilities and Equity  $767,324   $758,956 

 

See accompanying notes to consolidated financial statements.

 

- 3 -

 

PART I - FINANCIAL INFORMATION

FIRST CAPITAL, INC.

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)

 

   Three Months Ended
   March 31,
   2018  2017
INTEREST INCOME  (In thousands, except per share data)
Loans, including fees  $5,301   $4,947 
Securities:          
Taxable   952    933 
Tax-exempt   378    329 
Dividends   33    17 
Other interest income   100    117 
Total interest income   6,764    6,343 
INTEREST EXPENSE          
Deposits   321    359 
Advances from Federal Home Loan Bank   21    - 
Total interest expense   342    359 
Net interest income   6,422    5,984 
Provision for loan losses   197    211 
Net interest income after provision for loan losses   6,225    5,773 
NONINTEREST INCOME          
Service charges on deposit accounts   1,109    1,001 
Commission and fee income   88    114 
Gain on sale of securities available for sale.   1    - 
Gain on sale of loans   240    257 
Increase in cash value of life insurance   43    41 
Other income   45    40 
Total noninterest income   1,526    1,453 
NONINTEREST EXPENSE          
Compensation and benefits   2,894    2,720 
Occupancy and equipment   413    381 
Data processing   744    648 
Professional fees   178    163 
Advertising   85    100 
Net loss on foreclosed real estate   121    311 
Other expenses   819    832 
Total noninterest expense   5,254    5,155 
Income before income taxes   2,497    2,071 
Income tax expense   361    515 
Net Income   2,136    1,556 
Less: net income attributable to the noncontrolling interest in subsidiary   3    3 
Net Income Attributable to First Capital, Inc.  $2,133   $1,553 
           
Earnings per common share attributable to First Capital, Inc.:          
Basic  $0.64   $0.46 
Diluted  $0.64   $0.46 
           
Dividends per share on common shares  $0.23   $0.21 

 

See accompanying notes to consolidated financial statements.

 

- 4 -

 

PART I - FINANCIAL INFORMATION

FIRST CAPITAL, INC.

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)

(Unaudited)

 

 
 
 
 
Three Months Ended
March 31,
   2018  2017
   (In thousands)
       
Net Income  $2,136   $1,556 
           
OTHER COMPREHENSIVE INCOME (LOSS)          
Unrealized gains (losses) on securities available for sale:          
Unrealized holding gains (losses) arising during the period   (4,015)   753 
Income tax (expense) benefit   999    (288)
Net of tax amount   (3,016)   465 
           
Less:reclassification adjustment for realized gains included in net income   (1)   - 
Income tax expense   -    - 
Net of tax amount   (1)   - 
           
Other Comprehensive Income (Loss), net of tax   (3,017)   465 
           
Comprehensive Income (Loss)   (881)   2,021 
Less: comprehensive income attributable to the noncontrolling interest in subsidiary   3    3 
           
Comprehensive Income (Loss) Attributable to First Capital, Inc.  $(884)  $2,018 

 

See accompanying notes to consolidated financial statements.

 

- 5 -

 

PART I - FINANCIAL INFORMATION

FIRST CAPITAL, INC.

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY

(Unaudited)

 

(In thousands, except share and per share data)  Common
Stock
  Additional
Paid-in Capital
  Retained Earnings  Accumulated
Other
Comprehensive Loss
  Unearned
Stock Compensation
  Treasury Stock  Noncontrolling Interest  Total
                         
Balances at January 1, 2017  $38   $39,515   $47,051   $(2,277)  $(300)  $(8,297)  $112   $75,842 
                                         
Net income   -    -    1,553    -    -    -    3    1,556 
                                         
Other comprehensive income   -    -    -    465    -    -    -    465 
                                         
Cash dividends   -    -    (701)   -    -    -    -    (701)
                                         
Stock compensation expense   -    -    -    -    21    -    -    21 
                                         
Balances at March 31, 2017  $38   $39,515   $47,903   $(1,812)  $(279)  $(8,297)  $115   $77,183 
                                         
Balances at January 1, 2018  $38   $39,515   $51,972   $(2,060)  $(212)  $(8,315)  $112   $81,050 
                                         
Net income   -    -    2,133    -    -    -    3    2,136 
                                         
Other comprehensive loss   -    -    -    (3,017)   -    -    -    (3,017)
                                         
Cash dividends   -    -    (772)   -    -    -    -    (772)
                                         
Restricted stock grants   -    748    -    -    (748)   -    -    0 
                                         
Stock compensation expense   -    -    -    -    49    -    -    49 
                                         
Balances at March 31, 2018  $38   $40,263   $53,333   $(5,077)  $(911)  $(8,315)  $115   $79,446 

 

See accompanying notes to consolidated financial statements.

 

- 6 -

 

PART I - FINANCIAL INFORMATION

FIRST CAPITAL, INC.

CONSOLIDATED STATEMENTS OF CASH FLOWS

(Unaudited)

 

 
 
 
 
Three Months Ended
March 31,
   2018  2017
CASH FLOWS FROM OPERATING ACTIVITIES  (In thousands)
Net income  $2,136   $1,556 
Adjustments to reconcile net income to net cash and cash equivalents provided by operating activities:          
Amortization of premiums and accretion of discounts on securities, net   431    411 
Depreciation and amortization expense   312    299 
Deferred income taxes   (93)   67 
Stock compensation expense   49    21 
Increase in cash value of life insurance   (43)   (41)
Gain on sale of securities   (1)   - 
Provision for loan losses   197    211 
Proceeds from sales of loans   16,547    12,891 
Loans originated for sale   (15,818)   (10,552)
Gain on sale of loans   (240)   (257)
Amortization of tax credit investment   82    - 
Net realized and unrealized loss on foreclosed real estate   29    227 
Decrease (increase) in accrued interest receivable   44    (74)
Decrease in accrued interest payable   (9)   (11)
Net change in other assets/liabilities   (265)   77 
Net Cash Provided By Operating Activities   3,358    4,825 
           
CASH FLOWS FROM INVESTING ACTIVITIES          
Investment in interest-bearing time deposits   -    (245)
Proceeds from maturities and sales of interest-bearing time deposits   1,239    1,445 
Purchase of securities available for sale   (6,326)   (22,815)
Proceeds from maturities of securities available for sale   520    850 
Proceeds from sales of securities available for sale   1,458    - 
Principal collected on mortgage-backed obligations   6,295    5,936 
Investment in cash value of life insurance   (1,000)   - 
Net (increase) decrease in loans receivable   2,176    (4,304)
Investment in tax credit entity   (436)   - 
Proceeds from sale of foreclosed real estate   99    193 
Purchase of premises and equipment   (50)   (371)
Net Cash Provided By (Used In) Investing Activities   3,975    (19,311)
           
CASH FLOWS FROM FINANCING ACTIVITIES          
Net increase in deposits   17,009    17,009 
Repayment of advances from Federal Home Loan Bank   (10,000)   - 
Dividends paid   (772)   (701)
Net Cash Provided By Financing Activities   6,237    16,308 
           
Net Increase in Cash and Cash Equivalents   13,570    1,822 
Cash and cash equivalents at beginning of period   25,915    45,835 
Cash and Cash Equivalents at End of Period  $39,485   $47,657 

 

See accompanying notes to consolidated financial statements.

 

- 7 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

1.       Presentation of Interim Information

 

First Capital, Inc. (“Company”) is the savings and loan holding company for First Harrison Bank (“Bank”), a federal savings bank and wholly-owned subsidiary. First Harrison Investments, Inc. and First Harrison Holdings, Inc. are wholly-owned Nevada corporate subsidiaries of the Bank that jointly own First Harrison, LLC, a Nevada limited liability corporation that holds and manages an investment portfolio. First Harrison REIT, Inc. (“REIT”) is a wholly-owned subsidiary of First Harrison Holdings, Inc. that holds a portion of the Bank’s real estate mortgage loan portfolio. FHB Risk Mitigation Services, Inc. (“Captive”) is a wholly-owned insurance subsidiary of the Company that provides property and casualty insurance coverage to the Company, the Bank and the Bank’s subsidiaries, and reinsurance to ten other third party insurance captives for which insurance may not be currently available or economically feasible in the insurance marketplace. Heritage Hill, LLC is a wholly-owned subsidiary of the Bank that holds and manages certain foreclosed real estate properties.

 

On September 20, 2017, the Bank filed applications with the Indiana Department of Financial Institutions (“IDFI”) and the Federal Deposit Insurance Corporation (“FDIC”) to convert from a federal savings association into an Indiana chartered commercial bank (the “Conversion”). The Conversion has been approved by both the IDFI and FDIC. After the conversion, expected to be completed in June 2018, the IDFI will become the Bank’s primary regulator and the FDIC will become the Bank’s primary federal regulator. The Conversion is not expected to affect the Bank’s clients in any way and will not affect FDIC deposit insurance on eligible accounts.

 

Additionally, in connection with the Conversion, the Company filed an application with the Federal Reserve Bank of St. Louis to change from a savings and loan holding company to a financial holding company. The Company has received the approval of the Federal Reserve Bank of St. Louis, and this change is expected to happen simultaneously with the Conversion discussed above.

 

In the opinion of management, the unaudited consolidated financial statements include all adjustments considered necessary to present fairly the financial position as of March 31, 2018, and the results of operations for the three months ended March 31, 2018 and 2017 and the cash flows for the three months ended March 31, 2018 and 2017. All of these adjustments are of a normal, recurring nature. Such adjustments are the only adjustments included in the unaudited consolidated financial statements. Interim results are not necessarily indicative of results for a full year or any other period.

 

The accompanying unaudited consolidated financial statements and notes have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial statements and are presented as permitted by the instructions to Form 10-Q. Accordingly, they do not contain certain information included in the Company’s annual audited consolidated financial statements and related footnotes for the year ended December 31, 2017 included in the Company’s Annual Report on Form 10-K.

 

The unaudited consolidated financial statements include the accounts of the Company and its subsidiaries. All material intercompany balances and transactions have been eliminated in consolidation. Certain prior period amounts have been reclassified to conform with the current period presentation. The reclassifications had no effect on net income or stockholders’ equity.

 

- 8 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

2.       Investment Securities

 

Investment securities have been classified in the consolidated balance sheets according to management’s intent. Investment securities at March 31, 2018 and December 31, 2017 are summarized as follows:

 

(In thousands)  Amortized
Cost
  Gross
Unrealized
Gains
  Gross
Unrealized
Losses
  Fair
Value
             
March 31, 2018            
Securities available for sale:            
Agency mortgage-backed securities  $111,090   $-   $4,345   $106,745 
Agency CMO   18,720    -    471    18,249 
Other debt securities:                    
Agency notes and bonds   70,495    -    1,447    69,048 
Municipal obligations   71,198    743    1,140    70,801 
                     
Total securities available for sale  $271,503   $743   $7,403   $264,843 
                     
December 31, 2017                    
Securities available for sale:                    
Agency mortgage-backed securities  $114,902   $-   $2,253   $112,649 
Agency CMO   15,660    1    338    15,323 
Other debt securities:                    
Agency notes and bonds   70,013    -    985    69,028 
Municipal obligations   73,303    1,274    405    74,172 
                     
Total securities available for sale  $273,878   $1,275   $3,981   $271,172 
                     
Securities held to maturity:                    
Agency mortgage-backed securities  $1   $-   $-   $1 
                     
Total securities held to maturity  $1   $-   $-   $1 

 

 

 

- 9 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

(2 – continued)

 

Agency notes and bonds, agency mortgage-backed securities and agency collateralized mortgage obligations (“CMO”) include securities issued by the Government National Mortgage Association (“GNMA”), a U.S. government agency, and the Federal National Mortgage Association (“FNMA”), the Federal Home Loan Mortgage Corporation (“FHLMC”) and the Federal Home Loan Bank (“FHLB”), which are government-sponsored enterprises.

 

The amortized cost and fair value of debt securities as of March 31, 2018, by contractual maturity, are shown below. Expected maturities of mortgage-backed securities and CMO may differ from contractual maturities because the mortgages underlying the obligations may be prepaid without penalty.

 

   Securities Available for Sale
   Amortized
Cost
  Fair
Value
(In thousands)      
       
Due in one year or less  $15,335   $15,241 
Due after one year through five years   64,630    63,251 
Due after five years through ten years   32,072    31,459 
Due after ten years   29,656    29,898 
    141,693    139,849 
Mortgage-backed securities and CMO   129,810    124,994 
           
   $271,503   $264,843 

 

Information pertaining to investment securities available for sale with gross unrealized losses at March 31, 2018, aggregated by investment category and the length of time that individual investment securities have been in a continuous position, follows.

 

 
 
 
 
 
 
Number of
Investment
Positions
 
 
 
 
Fair
Value
 
 
 
Gross
Unrealized
Losses
(Dollars in thousands)         
          
Continuous loss position less than twelve months:         
Agency mortgage-backed securities   36   $31,683   $962 
Agency CMO   7    2,948    77 
Agency notes and bonds   4    11,047    132 
Muncipal obligations   41    21,667    502 
                
Total less than twelve months   88    67,345    1,673 
                
Continuous loss position more than twelve months:               
Agency mortgage-backed securities   63    75,048    3,383 
Agency CMO   18    11,150    394 
Agency notes and bonds   19    57,501    1,315 
Muncipal obligations   29    14,284    638 
                
Total more than twelve months   129    157,983    5,730 
                
Total securities available for sale   217   $225,328   $7,403 

 

- 10 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(2 – continued)

 

Information pertaining to investment securities available for sale with gross unrealized losses at December 31, 2017, aggregated by investment category and the length of time that individual investment securities have been in a continuous position, follows. At December 31, 2017, the Company did not have any securities held to maturity with an unrealized loss.

 

 
 
 
 
 
 
Number of
Investment
Positions
 
 
 
 
Fair
Value
 
 
 
Gross
Unrealized
Losses
(Dollars in thousands)         
          
Continuous loss position less than twelve months:         
Agency mortgage-backed securities   37   $37,570   $400 
Agency CMO   6    3,036    38 
Agency notes and bonds   4    11,119    69 
Muncipal obligations   20    10,955    83 
                
Total less than twelve months   67    62,680    590 
                
Continuous loss position more than twelve months:               
Agency mortgage-backed securities   60    74,960    1,853 
Agency CMO   18    11,801    300 
Agency notes and bonds   19    57,909    916 
Muncipal obligations   29    14,667    322 
                
Total more than twelve months   126    159,337    3,391 
                
Total securities available for sale   193   $222,017   $3,981 

 

Management evaluates securities for other-than-temporary impairment at least quarterly, and more frequently when economic or market concerns warrant such evaluation. Consideration is given to (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recover in fair value.

 

At March 31, 2018, the U.S. government agency debt securities, including agency notes and bonds, mortgage-backed securities and CMO, and municipal obligations in a loss position had depreciated approximately 3.2% from the amortized cost basis. All of the U.S. government agency securities and municipal obligations are issued by U.S. government agencies, government-sponsored enterprises and municipal governments, or are secured by first mortgage loans and municipal project revenues. These unrealized losses related principally to current interest rates for similar types of securities. In analyzing an issuer’s financial condition, management considers whether the securities are issued by the federal government, its agencies or other governments, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer’s financial condition. As the Company has the ability to hold the debt securities until maturity, or the foreseeable future if classified as available for sale, no declines are deemed to be other-than-temporary.

 

While management does not anticipate any credit-related impairment losses at March 31, 2018, additional deterioration in market and economic conditions may have an adverse impact on credit quality in the future.

 

- 11 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(2 – continued)

 

During the three months ended March 31, 2018, the Company realized gross gains of $7,000 and gross losses of $6,000 on sales of available for sale municipal securities and U.S. government agency mortgage-backed CMO’s, respectively. During the three months ended March 31, 2017, the Company did not have any security sales.

 

Certain available for sale debt securities were pledged to secure public fund deposits at March 31, 2018 and December 31, 2017.

 

3.       Loans and Allowance for Loan Losses

 

The Company’s loan and allowance for loan loss policies are as follows:

 

Loans are stated at unpaid principal balances, less net deferred loan fees and the allowance for loan losses. The Company originates real estate mortgage, commercial business and consumer loans. A substantial portion of the loan portfolio is represented by mortgage loans to customers in the Louisville, Kentucky metropolitan statistical area (MSA). The ability of the Company’s customers to honor their loan agreements is largely dependent upon the real estate and general economic conditions in this area.

 

Loan origination and commitment fees, as well as certain direct costs of underwriting and closing loans, are deferred and amortized as a yield adjustment to interest income over the lives of the related loans using the interest method. Amortization of net deferred loan fees is discontinued when a loan is placed on nonaccrual status.

 

The recognition of income on a loan is discontinued and previously accrued interest is reversed, when interest or principal payments become ninety (90) days past due unless, in the opinion of management, the outstanding interest remains collectible. Past due status is determined based on contractual terms. Generally, by applying the cash receipts method, interest income is subsequently recognized only as received until the loan is returned to accrual status. The cash receipts method is used when the likelihood of further loss on the loan is remote. Otherwise, the Company applies the cost recovery method and applies all payments as a reduction of the unpaid principal balance until the loan qualifies for return to accrual status. Interest income on impaired loans is recognized using the cost recovery method, unless the likelihood of further loss on the loan is remote.

 

A loan is restored to accrual status when all principal and interest payments are brought current and the borrower has demonstrated the ability to make future payments of principal and interest as scheduled, which generally requires that the borrower demonstrate a period of performance of at least six consecutive months.

 

 

- 12 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

(3 – continued)

 

For portfolio segments other than consumer loans, the Company’s practice is to charge-off any loan or portion of a loan when the loan is determined by management to be uncollectible due to the borrower’s failure to meet repayment terms, the borrower’s deteriorating or deteriorated financial condition, the depreciation of the underlying collateral, the loan’s classification as a loss by regulatory examiners, or for other reasons. A partial charge-off is recorded on a loan when the uncollectibility of a portion of the loan has been confirmed, such as when a loan is discharged in bankruptcy, the collateral is liquidated, a loan is restructured at a reduced principal balance, or other identifiable events that lead management to determine the full principal balance of the loan will not be repaid. A specific reserve is recognized as a component of the allowance for estimated losses on loans individually evaluated for impairment. Partial charge-offs on nonperforming and impaired loans are included in the Company’s historical loss experience used to estimate the general component of the allowance for loan losses as discussed below. Specific reserves are not considered charge-offs in management’s analysis of the allowance for loan losses because they are estimates and the outcome of the loan relationship is undetermined. At March 31, 2018, the Company had five loans on which partial charge-offs in the aggregate of $97,000 had been recorded.

 

Consumer loans not secured by real estate are typically charged off at 90 days past due, or earlier if deemed uncollectible, unless the loans are in the process of collection. Overdrafts are charged off after 45 days past due. Charge-offs are typically recorded on loans secured by real estate when the property is foreclosed upon.

 

The allowance for loan losses reflects management’s judgment of probable loan losses inherent in the loan portfolio at the balance sheet date. Additions to the allowance for loan losses are made by the provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.

 

The Company uses a disciplined process and methodology to evaluate the allowance for loan losses on at least a quarterly basis that is based upon management’s periodic review of the collectibility 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. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.

 

The allowance consists of specific and general components. The specific component relates to loans that are individually evaluated for impairment or loans otherwise classified as doubtful, substandard, or special mention. For such loans that are also classified as impaired, an allowance is established when the underlying discounted collateral value (or present value of estimated future cash flows) of the impaired loan is lower than the carrying value of that loan.

 

- 13 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

(3 – continued)

 

The general component covers non-classified loans and classified loans that are found, upon individual evaluation, to not be impaired. Such loans are pooled by segment and losses are modeled using annualized historical loss experience adjusted for qualitative factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the prior five years. The Company’s historical loss experience is then adjusted by an overall loss factor weighting adjustment based on a qualitative analysis prepared by management and reviewed on a quarterly basis. The overall loss factor considers changes in underwriting standards, economic conditions, changes and trends in past due and classified loans and other internal and external factors.

 

Management also applies additional loss factor multiples to loans classified as watch, special mention and substandard that are not individually evaluated for impairment. The loss factor multiples for classified loans are based on management’s assessment of historical trends regarding losses experienced on classified loans in prior periods. See below for additional discussion of the qualitative factors utilized in management’s allowance for loan loss methodology at March 31, 2018 and December 31, 2017.

 

Management exercises significant judgment in evaluating the relevant historical loss experience and the qualitative factors. Management also monitors the differences between estimated and actual incurred loan losses for loans considered impaired in order to evaluate the effectiveness of the estimation process and make any changes in the methodology as necessary.

 

Management utilizes the following portfolio segments in its analysis of the allowance for loan losses: residential real estate, land, construction, commercial real estate, commercial business, home equity and second mortgage, and other consumer loans. Additional discussion of the portfolio segments and the risks associated with each segment can be found in the Company’s Annual Report on Form 10-K for the year ended December 31, 2017.

 

A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent.

 

- 14 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

(3 – continued)

 

Values for collateral dependent loans are generally based on appraisals obtained from independent licensed real estate appraisers, with adjustments applied for estimated costs to sell the property, costs to complete unfinished or repair damaged property and other factors. New appraisals are generally obtained for all significant properties when a loan is identified as impaired, and a property is considered significant if the value of the property is estimated to exceed $200,000. Subsequent appraisals are obtained as needed or if management believes there has been a significant change in the market value of the property. In instances where it is not deemed necessary to obtain a new appraisal, management bases its impairment and allowance for loan loss analysis on the original appraisal with adjustments for current conditions based on management’s assessment of market factors and management’s inspection of the property.

 

At March 31, 2018 and December 31, 2017, the recorded investments in loans secured by residential real estate properties for which formal foreclosure proceedings are in process was $1.0 million and $588,000, respectively.

 

Loans at March 31, 2018 and December 31, 2017 consisted of the following:

 

(In thousands)  March 31,
2018
  December 31,
2017
       
Real estate mortgage loans:      
Residential  $134,298   $136,399 
Land   21,248    18,198 
Residential construction   31,207    28,854 
Commercial real estate   95,471    100,133 
Commercial real estate contruction   13,261    17,161 
Commercial business loans   33,186    34,114 
Consumer loans:          
Home equity and second mortgage loans   49,423    49,802 
Automobile loans   38,809    38,361 
Loans secured by savings accounts   1,294    1,751 
Unsecured loans   3,553    3,744 
Other consumer loans   7,275    8,714 
Gross loans   429,025    437,231 
Less undisbursed portion of loans in process   (19,155)   (25,020)
           
Principal loan balance   409,870    412,211 
           
Deferred loan origination fees, net   1,040    1,041 
Allowance for loan losses   (3,631)   (3,634)
           
Loans, net  $407,279   $409,618 

 

- 15 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

(3 – continued)

 

The following table provides the components of the Company’s recorded investment in loans at March 31, 2018:

 

   Residential
Real Estate
  Land  Construction  Commercial
Real Estate
  Commercial
Business
 

Home Equity

&

2nd Mtg

  Other
Consumer
  Total
   (In thousands)
Recorded Investment in Loans:                        
Principal loan balance  $134,298   $21,248   $25,313   $95,471   $33,186   $49,423   $50,931   $409,870 
                                         
Accrued interest receivable   494    72    48    221    98    185    190    1,308 
                                         
Net deferred loan origination fees and costs   91    16    (7)   (41)   1    980    -    1,040 
                                         
Recorded investment in loans  $134,883   $21,336   $25,354   $95,651   $33,285   $50,588   $51,121   $412,218 
                                         
                                         
Recorded Investment in Loans as Evaluated for Impairment:                                        
Individually evaluated for impairment  $2,803   $94   $-   $365   $319   $91   $8   $3,680 
Collectively evaluated for impairment   131,727    21,242    25,354    95,239    32,966    50,497    51,113    408,138 
Acquired with deteriorated credit quality   353    -    -    47    -    -    -    400 
                                         
Ending balance  $134,883   $21,336   $25,354   $95,651   $33,285   $50,588   $51,121   $412,218 

 

- 16 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

(3 – continued)

 

The following table provides the components of the Company’s recorded investment in loans at December 31, 2017:

 

   Residential
Real Estate
  Land  Construction  Commercial
Real Estate
  Commercial
Business
  Home Equity
&
2nd Mtg
  Other
Consumer
  Total
   (In thousands)
Recorded Investment in Loans:                        
Principal loan balance  $136,399   $18,198   $20,995   $100,133   $34,114   $49,802   $52,570   $412,211 
                                         
Accrued interest receivable   474    94    49    249    87    189    223    1,365 
                                         
Net deferred loan origination                                        
fees and costs   87    17    (10)   (42)   2    987    -    1,041 
                                         
Recorded investment in loans  $136,960   $18,309   $21,034   $100,340   $34,203   $50,978   $52,793   $414,617 
                                         
                                         
Recorded Investment in Loans as Evaluated for Impairment:                                        
Individually evaluated for impairment  $2,907   $-   $-   $401   $42   $73   $-   $3,423 
Collectively evaluated for impairment   133,703    18,309    21,034    99,891    34,161    50,905    52,793    410,796 
Acquired with deteriorated credit quality   350    -    -    48    -    -    -    398 
                                         
Ending balance  $136,960   $18,309   $21,034   $100,340   $34,203   $50,978   $52,793   $414,617 

 

- 17 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(3 – continued)

 

An analysis of the allowance for loan losses as of March 31, 2018 is as follows:

 

   Residential
Real Estate
  Land  Construction  Commercial
Real Estate
  Commercial
Business
 

Home Equity

&

2nd Mtg

  Other
Consumer
  Total
   (In thousands)
Ending allowance balance attributable to loans:                  
                         
Individually evaluated for impairment  $101   $-   $-   $-   $3   $13   $-   $117 
Collectively evaluated for impairment   200    156    291    1,520    273    667    407    3,514 
Acquired with deteriorated credit quality   -    -    -    -    -    -    -    - 
                                         
Ending balance  $301   $156   $291   $1,520   $276   $680   $407   $3,631 

 

An analysis of the allowance for loan losses as of December 31, 2017 is as follows:

 

   Residential
Real Estate
  Land  Construction  Commercial
Real Estate
  Commercial
Business
 

Home Equity

&

2nd Mtg

  Other
Consumer
  Total
   (In thousands)
Ending allowance balance attributable to loans:                  
                         
Individually evaluated for
impairment
  $35   $-   $-   $-   $4   $13   $-   $52 
Collectively evaluated for
impairment
   182    133    245    1,622    287    697    414    3,580 
Acquired with deteriorated
credit quality
   2    -    -    -    -    -    -    2 
                                         
Ending balance  $219   $133   $245   $1,622   $291   $710   $414   $3,634 

 

- 18 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(3 – continued)

 

An analysis of the changes in the allowance for loan losses for the three months ended March 31, 2018 is as follows:

 

   Residential
Real Estate
  Land  Construction  Commercial
Real Estate
  Commercial
Business
 

Home Equity

&

2nd Mtg

  Other
Consumer
  Total
   (In thousands)
Allowance for loan losses:                        
                         
Beginning balance  $219   $133   $245   $1,622   $291   $710   $414   $3,634 
Provisions for loan losses   139    23    46    (110)   (15)   (33)   147    197 
Charge-offs   (60)   -    -    -    (1)   -    (196)   (257)
Recoveries   3    -    -    8    1    3    42    57 
                                         
Ending balance  $301   $156   $291   $1,520   $276   $680   $407   $3,631 

 

An analysis of the changes in the allowance for loan losses for the three months ended March 31, 2017 is as follows:

 

   Residential
Real Estate
  Land  Construction  Commercial
Real Estate
  Commercial
Business
 

Home Equity

&

2nd Mtg

  Other
Consumer
  Total
   (In thousands)
Allowance for loan losses:                        
                         
Beginning balance  $380   $56   $80   $1,670   $198   $683   $319   $3,386 
Provisions for loan losses   (85)   53    143    (128)   85    14    129    211 
Charge-offs   (40)   -    -    (1)   (43)   -    (204)   (288)
Recoveries   16    -    -    44    4    1    44    109 
                                         
Ending balance  $271   $109   $223   $1,585   $244   $698   $288   $3,418 

 

- 19 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

(3 – continued)

 

At March 31, 2018 and December 31, 2017, management applied specific qualitative factor adjustments to various portfolio segments as they determined that the historical loss experience was not indicative of the level of risk in the remaining balance of those portfolio segments. These adjustments increased the loss factors by 0.15% to 20% for certain loan groups, and increased the estimated allowance for loan losses related to those portfolio segments by approximately $2.3 million and $2.1 million at March 31, 2018 and December 31, 2017, respectively. These changes were made to reflect management’s estimates of inherent losses in these portfolio segments at March 31, 2018 and December 31, 2017.

 

At March 31, 2018 and December 31, 2017, for each loan portfolio segment, management applied an overall qualitative factor of 1.18 to the Company’s historical loss factors. The overall qualitative factor is derived from management’s analysis of changes and trends in the following qualitative factors: underwriting standards, economic conditions, past due loans and other internal and external factors. Each of the four factors above was assigned an equal weight to arrive at an average for the overall qualitative factor of 1.18 at March 31, 2018 and December 31, 2017. The effect of the overall qualitative factor was to increase the estimated allowance for loan losses by $534,000 and $536,000 at March 31, 2018 and December 31, 2017, respectively. Additional discussion of the overall qualitative factor can be found in the Company’s Annual Report on Form 10-K for the year ended December 31, 2017. There were no changes in management’s assessment of the overall qualitative factor components from December 31, 2017 to March 31, 2018.

 

Management also adjusts the historical loss factors for loans classified as watch, special mention and substandard that are not individually evaluated for impairment. The adjustments consider the increased likelihood of loss on classified loans based on the Company’s separate historical experience for classified loans. The effect of the adjustments for classified loans was to increase the estimated allowance for loan losses by $515,000 and $506,000 at March 31, 2018 and December 31, 2017, respectively. These factors were not adjusted during the period from December 31, 2017 to March 31, 2018.

 

- 20 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

(3 – continued)

 

The following table summarizes the Company’s impaired loans as of March 31, 2018 and for the three months ended March 31, 2018 and 2017. The Company did not recognize any interest income on impaired loans using the cash receipts method of accounting for the three month periods ended March 31, 2018 and 2017:

 

 

   At March 31, 2018  Three Months Ended March 31, 2018  Three Months Ended March 31, 2017
   Recorded
Investment
  Unpaid
Principal
Balance
  Related
Allowance
  Average
Recorded
Investment
  Interest
Income
Recognized
  Average
Recorded
Investment
  Interest
Income
Recognized
   (In thousands)
Loans with no related allowance recorded:                                   
Residential  $2,525   $2,760   $-   $2,610   $7   $2,010   $8 
Land   94    95    -    47    -    -    - 
Construction   -    -    -    -    -    -    - 
Commercial real estate   365    363    -    383    5    1,150    3 
Commercial business   291    292    -    152    4    74    - 
Home equity/2nd mortgage   78    86    -    69    -    230    - 
Other consumer   8    8    -    4    -    6    - 
                                    
    3,361    3,604    -    3,265    16    3,470    11 
                                    
Loans with an allowance recorded:                                   
Residential   278    285    101    245    -    150    - 
Land   -    -    -    -    -    -    - 
Construction   -    -    -    -    -    -    - 
Commercial real estate   -    -    -    -    -    -    - 
Commercial business   28    30    3    29    -    59    - 
Home equity/2nd mortgage   13    13    13    13    -    13    - 
Other consumer   -    -    -    -    -    18    - 
                                    
    319    328    117    287    -    240    - 
                                    
Total:                                   
Residential   2,803    3,045    101    2,855    7    2,160    8 
Land   94    95    -    47    -    -    - 
Construction   -    -    -    -    -    -    - 
Commercial real estate   365    363    -    383    5    1,150    3 
Commercial business   319    322    3    181    4    133    - 
Home equity/2nd mortgage   91    99    13    82    -    243    - 
Other consumer   8    8    -    4    -    24    - 
                                    
   $3,680   $3,932   $117   $3,552   $16   $3,710   $11 

 

 

- 21 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

(3 – continued)

 

The following table summarizes the Company’s impaired loans as of December 31, 2017:

 

 
 
 
 
 
 
 
Recorded
Investment
 
 
 
Unpaid
Principal
Balance
 
 
 
 
Related
Allowance
   (In thousands)
Loans with no related allowance recorded:      
Residential  $2,695   $2,948   $- 
Land   -    -    - 
Construction   -    -    - 
Commercial real estate   401    535    - 
Commercial business   12    12    - 
Home equity/2nd mortgage   60    68    - 
Other consumer   -    -    - 
                
    3,168    3,563    - 
                
Loans with an allowance recorded:               
Residential   212    218    35 
Land   -    -    - 
Construction   -    -    - 
Commercial real estate   -    -    - 
Commercial business   30    30    4 
Home equity/2nd mortgage   13    13    13 
Other consumer   -    -    - 
                
    255    261    52 
                
Total:               
Residential   2,907    3,166    35 
Land   -    -    - 
Construction   -    -    - 
Commercial real estate   401    535    - 
Commercial business   42    42    4 
Home equity/2nd mortgage   73    81    13 
Other consumer   -    -    - 
                
   $3,423   $3,824   $52 

 

- 22 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(3 – continued)

 

Nonperforming loans consists of nonaccrual loans and loans over 90 days past due and still accruing interest. The following table presents the recorded investment in nonperforming loans at March 31, 2018 and December 31, 2017:

 

   March 31, 2018  December 31, 2017
    
Nonaccrual
Loans
  Loans 90+ Days
Past Due
Still Accruing
  Total
Nonperforming
Loans
  Nonaccrual
Loans
  Loans 90+ Days
Past Due
Still Accruing
  Total
Nonperforming
Loans
   (In thousands)
                   
Residential  $2,262   $100   $2,362   $2,298   $109   $2,407 
Land   94    -    94    -    95    95 
Construction   -    -    -    -    -    - 
Commercial real estate   104    -    104    139    -    139 
Commercial business   139    66    205    42    59    101 
Home equity/2nd mortgage   76    -    76    57    -    57 
Other consumer   -    13    13    -    28    28 
                               
Total  $2,675   $179   $2,854   $2,536   $291   $2,827 

 

The following table presents the aging of the recorded investment in loans at March 31, 2018:

 

 
 
 
 
 
 
 
30-59 Days
Past Due
 
 
 
 
60-89 Days
Past Due
 
 
 
 
90 Days or More
Past Due
 
 
 
 
Total
Past Due
 
 
 
 
 
Current
 
 
 
Purchased
Credit
Impaired Loans
 
 
 
 
Total
Loans
   (In thousands)
                      
Residential  $2,108   $155   $1,473   $3,736   $130,794   $353   $134,883 
Land   381    -    94    475    20,861    -    21,336 
Construction   -    -    -    -    25,354    -    25,354 
Commercial real estate   -    233    104    337    95,267    47    95,651 
Commercial business   156    -    124    280    33,005    -    33,285 
Home equity/2nd mortgage   152    1    13    166    50,422    -    50,588 
Other consumer   249    15    13    277    50,844    -    51,121 
                                    
Total  $3,046   $404   $1,821   $5,271   $406,547   $400   $412,218 

 

- 23 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(3 – continued)

 

The following table presents the aging of the recorded investment in loans at December 31, 2017:

 

   30-59 Days
Past Due
  60-89 Days
Past Due
  90 Days or More
Past Due
  Total
Past Due
  Current  Purchased
Credit
Impaired Loans
  Total
Loans
   (In thousands)
                      
Residential  $2,612   $338   $1,255   $4,205   $132,405   $350   $136,960 
Land   186    -    95    281    18,028    -    18,309 
Construction   -    -    -    -    21,034    -    21,034 
Commercial real estate   379    -    139    518    99,774    48    100,340 
Commercial business   46    49    102    197    34,006    -    34,203 
Home equity/2nd mortgage   468    27    13    508    50,470    -    50,978 
Other consumer   420    37    28    485    52,308    -    52,793 
                                    
Total  $4,111   $451   $1,632   $6,194   $408,025   $398   $414,617 

 

The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, public information, historical payment experience, credit documentation, and current economic trends, among other factors. The Company classifies loans based on credit risk at least quarterly. The Company uses the following regulatory definitions for risk ratings:

 

Special Mention: Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.

 

Substandard: Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

 

Doubtful: Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

 

Loss: Loans classified as loss are considered uncollectible and of such little value that their continuance on the institution’s books as an asset is not warranted.

 

Loans not meeting the criteria above that are analyzed individually as part of the described process are considered to be pass rated loans.

 

- 24 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(3 – continued)

 

The following table presents the recorded investment in loans by risk category as of the date indicated:

 

   Residential
Real Estate
  Land  Construction  Commercial
Real Estate
  Commercial
Business
 

Home Equity

&
2nd Mtg

  Other
Consumer
  Total
   (In thousands)
March 31, 2018                        
Pass  $131,433   $21,109   $25,125   $92,367   $32,287   $50,510   $50,966   $403,797 
Special Mention   395    83    229    1,347    786    -    152    2,992 
Substandard   778    50    -    1,833    73    2    3    2,739 
Doubtful   2,277    94    -    104    139    76    -    2,690 
Loss   -    -    -    -    -    -    -    - 
                                         
Total  $134,883   $21,336   $25,354   $95,651   $33,285   $50,588   $51,121   $412,218 
                                         
December 31, 2017                                        
Pass  $133,618   $18,003   $20,173   $97,219   $33,245   $50,919   $52,629   $405,806 
Special Mention   348    157    861    1,362    734    -    161    3,623 
Substandard   684    149    -    1,620    182    2    3    2,640 
Doubtful   2,310    -    -    139    42    57    -    2,548 
Loss   -    -    -    -    -    -    -    - 
                                         
Total  $136,960   $18,309   $21,034   $100,340   $34,203   $50,978   $52,793   $414,617 

 

- 25 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(3 – continued)

 

The following table summarizes the Company’s troubled debt restructurings (TDRs) by accrual status as of March 31, 2018 and December 31, 2017:

 

   March 31, 2018  December 31, 2017
   Accruing  Nonaccrual  Total  Related Allowance
for Loan Losses
  Accruing  Nonaccrual  Total  Related Allowance
for Loan Losses
   (In thousands)
Troubled debt restructurings:                        
Residential real estate  $484   $106   $590   $-   $487   $106   $593   $- 
Commercial real estate   354    -    354    -    356    -    356    - 
Commercial business   179    -    179    -    -    -    -    - 
Home equity and 2nd mortgage   15    -    15    -    15    -    15    - 
                                         
Total  $1,032   $106   $1,138   $-   $858   $106   $964   $- 

 

At March 31, 2018 and December 31, 2017, there were no commitments to lend additional funds to debtors whose loan terms have been modified in a TDR.

 

The following table summarizes information in regard to TDRs that were restructured during the three months ended March 31, 2018:

 

   Three months ended March 31, 2018
 
 
 
 
 
 
 
Number of
Contracts
 
 
 
Pre-Modifcation
Outstanding
Balance
 
 
 
Post-Modifcation
Outstanding
Balance
   (Dollars in thousands)
Troubled debt restructurings:               
Commercial Business   1   $179   $179 
                
Total   1   $179   $179 

 

For the TDR listed above, the terms of modification included the deferral of contractual principal payments. There were no TDRs that were restructured during the three months ended March 31, 2017.

 

There were no principal charge-offs recorded as a result of TDRs and there was no specific allowance for loan losses related to TDRs modified during the three months ended March 31, 2018 or 2017.

 

- 26 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

(3 – continued)

 

There were no TDRs modified within the previous 12 months for which there was a subsequent payment default (defined as the loan becoming more than 90 days past due, being moved to nonaccrual status, or the collateral being foreclosed upon) during the three months ended March 31, 2018 and 2017. In the event that a TDR subsequently defaults, the Company evaluates the restructuring for possible impairment. As a result, the related allowance for loan losses may be increased or charge-offs may be taken to reduce the carrying amount of the loan.

 

Purchased Credit Impaired (PCI) Loans

 

Purchased loans acquired in a business combination are recorded at estimated fair value on their purchase date with no carryover of the related allowance for loan and lease losses. Such loans are accounted for individually or aggregated into pools of loans based on common risk characteristics such as credit score, loan type and date of origination. In determining the estimated fair value of purchased loans or pools, management considers a number of factors including the remaining life, estimated prepayments, estimated loss ratios, estimated value of the underlying collateral, and net present value of cash flows expected to be received, among others. Purchased loans that have evidence of credit deterioration since origination for which it is deemed probable at the date of acquisition that the acquirer will not collect all contractually required principal and interest payments are accounted for in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 310-30. The difference between contractually required payments and the cash flows expected to be collected at acquisition is referred to as the nonaccretable difference. The difference between the expected cash flows and the fair value at acquisition is recorded as interest income over the remaining life of the loan or pool of loans and is referred to as the accretable yield. Subsequent decreases to the expected cash flows will generally result in a provision for loan losses. Subsequent increases in expected cash flows will result in a reversal of the provision for loan losses to the extent of prior charges and then an adjustment to accretable yield, which is recognized as future interest income.

 

The following table presents the carrying amount of PCI loans accounted for under ASC 310-30 at March 31, 2018 and December 31, 2017:

 

 
(In thousands)
  March 31,
2018
  December 31,
2017
       
Residential real estate  $353   $350 
Commercial real estate   47    48 
Carrying amount   400    398 
Allowance for loan losses   0    2 
Carrying amount, net of allowance  $400   $396 

 

The outstanding balance of PCI loans accounted for under ASC 310-30, including contractual principal, interest, fees and penalties was $617,000 and $625,000 at March 31, 2018 and December 31, 2017, respectively.

 

There was no allowance for loan losses related to PCI loans at March 31, 2018. The allowance for loan losses related to PCI loans was $2,000 at December 31, 2017. There was a $2,000 reduction of the allowance for loan losses related to PCI loans for the three-month period ended March 31, 2018. There were no net provisions for loan losses related to PCI loans for the three-month period ended March 31, 2017.

 

- 27 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

(3 – continued)

 

Accretable yield, or income expected to be collected, is as follows for the three month periods ended March 31, 2018 and 2017:

 

   2018  2017
       
Balance at beginning of period  $470   $252 
New loans purchased   -    - 
Accretion to income   (14)   (14)
Disposals and other adjustments   -    - 
Reclassification from nonaccretable difference   3    6 
           
Balance at end of period  $459   $244 

 

4.       Qualified Affordable Housing Project Investment

 

On January 19, 2018, the Bank entered into an agreement to invest in qualified affordable housing projects through a limited liability company. At March 31, 2018, the balance of the Bank’s investment was $3.9 million and is reflected in other assets on the consolidated balance sheet. The unfunded commitment related to the qualified affordable housing project investment was $3.5 million at March 31, 2018 and is reflected in other liabilities on the consolidated balance sheet. The Bank expects to fulfill the commitment as capital calls are made through 2029.

 

The investment is accounted for using the proportional amortization method. During the three months ended March 31, 2018, the Bank recognized amortization expense of $82,000, which was included in income tax expense on the consolidated statement of income. Additionally, during the three months ended March 31, 2018, the Bank recognized tax credits and other tax benefits from its qualified affordable housing project investment of $98,000.

 

- 28 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

5.       Supplemental Disclosure for Earnings Per Share

 

   Three Months Ended
March 31,
       
   2018  2017
(Dollars in thousands, exept per share data)      
Basic      
Earnings:      
Net income attributable to First Capital, Inc.  $2,133  $1,553
           
Shares:          
Weighted average common shares outstanding   3,326,464    3,342,052 
           
Net income attributable to First Capital, Inc. per common share, basic  $0.64   $0.46 
           
Diluted          
Earnings:          
Net income attributable to First Capital, Inc.  $2,133   $1,553 
           
Shares:          
Weighted average common shares outstanding   3,326,464    3,342,052 
Add: Dilutive effect of restricted stock   5,671    5,070 
           
Weighted average common shares outstanding, as adjusted   3,332,135    3,347,122 
           
Net income attributable to First Capital, Inc. per common share, diluted  $0.64   $0.46 

 

Nonvested restricted stock shares are not considered as outstanding for purposes of computing weighted average common shares outstanding. No shares were excluded from the calculations of diluted net income per share because their effect would be anti-dilutive for the three-month periods ended March 31, 2018 and 2017.

 

6.       Stock Option Plan

 

On May 20, 2009, the Company adopted the 2009 Equity Incentive Plan (the “Plan”). The Plan provides for the award of stock options, restricted stock, performance shares and stock appreciation rights. The aggregate number of shares of the Company’s common stock available for issuance under the Plan may not exceed 223,000 shares.

 

- 29 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

(6 – continued)

 

At March 31, 2018, 184,000 shares of the Company’s common stock were available for issuance under the Plan. The Company may grant both non-statutory and statutory stock options which may not have a term exceeding ten years. In the case of incentive stock options, the aggregate fair value of the stock (determined at the time the incentive stock option is granted) for which any optionee may be granted incentive options which are first exercisable during any calendar year shall not exceed $100,000. Option prices may not be less than the fair market value of the underlying stock at the date of the grant. An award of a performance share is a grant of a right to receive shares of the Company’s common stock which is contingent upon the achievement of specific performance criteria or other objectives set at the grant date. Stock appreciation rights are equity or cash settled share-based compensation arrangements whereby the number of shares that will ultimately be issued or the cash payment is based upon the appreciation of the Company’s common stock. Awards granted under the Plan may be granted either alone, in addition to, or in tandem with, any other award granted under the Plan. The terms of the Plan also include provisions whereby all unearned options and restricted shares become immediately exercisable and fully vested upon a change in control.

 

The fair market value of stock options granted is estimated at the date of grant using an option pricing model. Expected volatilities are based on historical volatility of the Company's stock. The expected term of options granted represents the period of time that options are expected to be outstanding and is based on historical trends. The risk free rate for the expected life of the options is based on the U.S. Treasury yield curve in effect at the time of grant. As of March 31, 2018, no stock options had been granted under the Plan.

 

On February 20, 2018, the Company granted 20,000 restricted stock shares to directors, officers and key employees at a grant-date price of $37.42 per share for a total of $748,000. The restricted stock vests ratably from the grant date through July 1, 2023, with 20% of the shares vesting each year on July 1 beginning July 1, 2019. On February 17, 2015, the Company granted 19,500 restricted stock shares to directors, officers and key employees at a grant-date price of $24.50 per share for a total of $478,000 with a similar vesting schedule from July 1, 2016 through July 1, 2020. Compensation expense is measured based on the fair market value of the restricted stock at the grant date and is recognized ratably over the period during which the shares are earned (the vesting period). Compensation expense related to restricted stock recognized for the three-month periods ended March 31, 2018 and 2017 amounted to $49,000 and $21,000, respectively.

 

A summary of the Company’s nonvested restricted shares under the Plan as of March 31, 2018 and changes during the three-month period then ended is presented below.

 

  

Number

of

Shares

 

Weighted

Average

Grant Date

Fair Value

Nonvested at January 1, 2018   10,500   $24.50 
Granted   20,000   $37.42 
Vested   -    - 
Forfeited   -    - 
           
Nonvested at March 31, 2018   30,500   $32.97 

 

- 30 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

(6 – continued)

 

At March 31, 2018, there was $911,000 of total unrecognized compensation expense related to nonvested restricted shares. The compensation expense is expected to be recognized over the remaining vesting period of 5.25 years.

 

7.       Supplemental Disclosures of Cash Flow Information

 

   Three Months Ended
March 31,
   2018  2017
   (In thousands)
Cash payments for:      
Interest  $351   $370 
Taxes (net of refunds received)   0    0 
           
Noncash investing activities:          
Transfers from loans to real estate acquired through foreclosure   27    194 

 

8.Fair Value Measurements

 

FASB ASC Topic 820, Fair Value Measurements, provides the framework for measuring fair value. That framework provides a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy under FASB ASC Topic 820 are described as follows:

 

  Level 1: Inputs to the valuation methodology are quoted prices, unadjusted, for identical assets or liabilities in active markets
     
  Level 2: Inputs to the valuation methodology include quoted market prices for similar assets or liabilities in active markets; quoted market prices for identical or similar assets or liabilities in markets that are not active; or inputs that are derived principally from or can be corroborated by observable market data by correlation or other means.
     
  Level 3: Inputs to the valuation methodology are unobservable and significant to the fair value measurement. Level 3 assets and liabilities include financial instruments whose value is determined using discounted cash flow methodologies, as well as instruments for which the determination of fair value requires significant management judgment or estimation.

 

A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth on the following page. These valuation methodologies were applied to all of the Company’s financial and nonfinancial assets carried at fair value or the lower of cost or fair value. The table below presents the balances of assets measured at fair value on a recurring and nonrecurring basis as of March 31, 2018 and December 31, 2017. The Company had no liabilities measured at fair value as of March 31, 2018 or December 31, 2017.

 

- 31 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

(8 – continued)

 

   Carrying Value
(In thousands)  Level 1  Level 2  Level 3  Total
             
March 31, 2018            
Assets Measured on a Recurring Basis            
Securities available for sale:            
Agency mortgage-backed securities  $-   $106,745   $-   $106,745 
Agency CMO   -    18,249    -    18,249 
Agency notes and bonds   -    69,048    -    69,048 
Municipal obligations   -    70,801    -    70,801 
Total securities available for sale  $-   $264,843   $-   $264,843 
                     
Assets Measured on a Nonrecurring Basis                    
Impaired loans:                    
Residential real estate  $-   $-   $2,702   $2,702 
Land   -    -    94    94 
Commercial real estate   -    -    365    365 
Commercial business   -    -    316    316 
Home equity and second mortgage   -    -    78    78 
Other consumer   -    -    8    8 
Total impaired loans  $-   $-   $3,563   $3,563 
                     
Loans held for sale  $-   $2,141   $-   $2,141 
                     
Foreclosed real estate:                    
Residential real estate  $-   $-   $281   $281 
Commercial real estate   -    -    3,528    3,528 
Total foreclosed real estate  $-   $-   $3,809   $3,809 
                     
December 31, 2017                    
Assets Measured on a Recurring Basis                    
Securities available for sale:                    
Agency mortgage-backed securities  $-   $112,649   $-   $112,649 
Agency CMO   -    15,323    -    15,323 
Agency notes and bonds   -    69,028    -    69,028 
Municipal obligations   -    74,172    -    74,172 
Total securities available for sale  $-   $271,172   $-   $271,172 
                     
Assets Measured on a Nonrecurring Basis                    
Impaired loans:                    
Residential real estate  $-   $-   $2,872   $2,872 
Commercial real estate   -    -    401    401 
Commercial business   -    -    38    38 
Home equity and second mortgage   -    -    60    60 
Total impaired loans  $-   $-   $3,371   $3,371 
                     
Loans held for sale  $-   $2,630   $-   $2,630 
                     
Foreclosed real estate:                    
Residential real estate  $-   $-   $443   $443 
Commercial real estate   -    -    3,528    3,528 
Total foreclosed real estate  $-   $-   $3,971   $3,971 

 

- 32 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

(8 – continued)

 

Fair value is based upon quoted market prices, where available. If quoted market prices are not available, fair value is based on internally developed models or obtained from third parties that primarily use, as inputs, observable market-based parameters or a matrix pricing model that employs the Bond Market Association’s standard calculations for cash flow and price/yield analysis and observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value, or the lower of cost or fair value. These adjustments may include unobservable parameters. Any such valuation adjustments have been applied consistently over time. The Company’s valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date.

 

Securities Available for Sale. Securities classified as available for sale are reported at fair value on a recurring basis.  These securities are classified as Level 1 of the valuation hierarchy where quoted market prices from reputable third-party brokers are available in an active market. If quoted market prices are not available, the Company obtains fair value measurements from an independent pricing service.  These securities are reported using Level 2 inputs and the fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, U.S. government and agency yield curves, live trading levels, trade execution data, market consensus prepayment speeds, credit information, and the security’s terms and conditions, among other factors. Changes in fair value of securities available for sale are recorded in other comprehensive income, net of income tax effect.

 

Impaired Loans. Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly. The fair value of impaired loans is classified as Level 3 in the fair value hierarchy.

 

Impaired loans are carried at the present value of estimated future cash flows using the loan's effective interest rate or the fair value of collateral less estimated costs to sell if the loan is collateral dependent. At March 31, 2018 and December 31, 2017, all impaired loans were considered to be collateral dependent for the purpose of determining fair value. Collateral may be real estate and/or business assets, including equipment, inventory and/or accounts receivable. The fair value of the collateral is generally determined based on real estate appraisals or other independent evaluations by qualified professionals, adjusted for estimated costs to sell the property, costs to complete or repair the property and other factors to reflect management’s estimate of the fair value of the collateral given the current market conditions and the condition of the collateral. At March 31, 2018 and December 31, 2017, the significant unobservable inputs used in the fair value measurement of impaired loans included a discount from appraised value for estimates of changes in market conditions, the condition of the collateral and estimated costs to sell the collateral ranging from 14% to 62%, with a weighted average discount of 39%. The Company recognized provisions for loan losses for impaired loans for the three months ended March 31, 2018 and March 31, 2017 of $65,000 and $2,000, respectively.

 

- 33 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

(8 – continued)

 

Loans Held for Sale. Loans held for sale are carried at the lower of cost or market value. The portfolio is comprised of residential real estate loans and fair value is based on specific prices of underlying contracts for sales to investors.  These measurements are classified as Level 2.

 

Foreclosed Real Estate. Foreclosed real estate is reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly. The fair value of foreclosed real estate is classified as Level 3 in the fair value hierarchy.

 

Foreclosed real estate is reported at fair value less estimated costs to dispose of the property. The fair values are determined by real estate appraisals which are then discounted to reflect management’s estimate of the fair value of the property given current market conditions and the condition of the collateral. At March 31, 2018, the significant unobservable inputs used in the fair value measurement of foreclosed real estate included a discount from appraised value for estimates of changes in market conditions, the condition of the collateral and estimated costs to sell the property ranging from 10% to 76%, with a weighted average of 44%. At December 31, 2017, the discount from appraised value ranged from 17% to 75%, with a weighted average of 45%. The Company recognized losses of $228,000 to write down foreclosed real estate for the three months ended March 31, 2017. There were no charges to write down foreclosed real estate recognized in income for the three months ended March 31, 2018.

 

There have been no changes in the valuation techniques and related inputs used for assets measured at fair value on a recurring and nonrecurring basis during the three month periods ended March 31, 2018 and 2017. There were no transfers into or out of the Company’s Level 3 financial assets for the three month periods ended March 31, 2018 and 2017. In addition, there were no transfers into or out of Levels 1 and 2 of the fair value hierarchy during the three month periods ended March 31, 2018 and 2017.

 

 

 

 

 

- 34 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

(8 – continued)

 

GAAP requires disclosure of the fair value of financial assets and financial liabilities, whether or not recognized in the balance sheet. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instruments. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company. The estimated fair values of the Company's financial instruments are as follows:

 

   Carrying  Fair  Fair Value Measurements Using
(In thousands)  Value  Value  Level 1  Level 2  Level 3
                
March 31, 2018               
Financial assets:               
Cash and cash equivalents  $39,485   $39,485   $39,485   $-   $- 
Interest-bearing time deposits   8,019    7,944    -    7,944    - 
Securities available for sale   264,843    264,843    -    264,843    - 
Loans held for sale   2,141    2,186    -    2,186    - 
Loans, net   407,279    402,059    -    -    402,059 
FHLB and other stock   1,979     N/A      N/A      N/A      N/A  
Accrued interest receivable   2,650    2,650    -    2,650    - 
                          
Financial liabilities:                         
Deposits   681,571    679,700    -    -    679,700 
Accrued interest payable   98    98    -    98    - 
                          
December 31, 2017:                         
Financial assets:                         
Cash and cash equivalents  $25,915   $25,915   $25,915   $-   $- 
Interest-bearing time deposits   9,258    9,220    -    9,220    - 
Securities available for sale   271,172    271,172    -    271,172    - 
Securities held to maturity   1    1    -    1    - 
Loans held for sale   2,630    2,678    -    2,678    - 
Loans, net   409,618    404,931    -    -    404,931 
FHLB and other stock   1,979     N/A      N/A      N/A      N/A  
Accrued interest receivable   2,694    2,694    -    2,694    - 
                          
Financial liabilities:                         
Deposits   664,562    663,006    -    -    663,006 
FHLB Advances   10,000    10,000    -    10,000    - 
Accrued interest payable   107    107    -    107    - 

 

- 35 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

9.Revenue from Contracts with Customers

 

As of January 1, 2018, the Company adopted Accounting Standards Update (“ASU”) No. 2014-09, Revenue from Contracts with Customers (Topic 606), using the modified retrospective approach. The adoption of the ASU had no material impact on the measurement or recognition of revenue; however, additional disclosures have been added in accordance with the ASU. See Note 10 for additional information on this new accounting standard.

 

All of the Company’s revenue from contracts with customers in the scope of FASB ASC 606 is recognized within noninterest income. The following table presents the Company’s sources of noninterest income for the three months ended March 31, 2018 and 2017:

 

   2018  2017
       
Service charges on deposit accounts  $1,109   $1,001 
Investment advisory income   88    114 
Revenue from contracts with customers   1,197    1,115 
           
Gain on sale of loans and securities   241    257 
Increase in cash value of life insurance   43    41 
Other   45    40 
Other noninterest income   329    338 
           
Total noninterest income  $1,526   $1,453 

 

A description of the Company’s revenue streams accounted for under FASB ASC 606 follows:

 

Service Charges on Deposit Accounts: The Company earns fees from its deposit customers for transaction-based, account maintenance, and overdraft services. Transaction-based fees, which include services such as ATM use fees, stop payment charges, statement rendering, and ACH fees, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the customer's request. Account maintenance fees, which relate primarily to monthly maintenance, are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Overdraft fees are recognized at the point in time that the overdraft occurs. Service charges on deposits are withdrawn from the customer's account balance.

 

Interchange Income: The Company earns interchange fees from debit cardholder transactions conducted through a payment network. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder. Interchange income is included in service charges on deposit accounts.

 

Investment Advisory Income: The Company earns trust, insurance commissions, brokerage commissions and annuities income from its contracts with trust customers to manage assets for investment, and/or to transact on their accounts. These fees are primarily earned over time as the Company provides the contracted monthly or quarterly services and are generally assessed based on a tiered scale of the market value of assets under management (AUM) at month-end. Fees that are transaction based, including trade execution services, are recognized at the point in time that the transaction is executed (i.e., the trade date). Other related fees, which are based on a fixed fee schedule, are recognized when the services are rendered.

 

- 36 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

10.Recent Accounting Pronouncements

 

The following are summaries of recently issued or adopted accounting pronouncements that impact the accounting and reporting practices of the Company:

 

In May 2014, the FASB issued ASU No. 2014-09, Revenue from Contracts with Customers (Topic 606). The update provides a five-step revenue recognition model for all revenue arising from contracts with customers and affects all entities that enter into contracts to provide goods or services to their customers (unless the contracts are included in the scope of other standards). The guidance requires an entity to recognize the revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods and services. For public entities, the guidance was originally to be effective for annual reporting periods beginning after December 15, 2016, including interim periods within that reporting period. However, with the issuance of ASU No. 2015-14 in August 2015, the FASB deferred the effective date of ASU No. 2014-09 by one year for all entities, making the amendments effective for public entities for annual reporting periods beginning after December 15, 2017, including interim periods within those reporting periods. The adoption of this update as of January 1, 2018 did not have a material impact on the Company’s consolidated financial position or results of operations. See Note 9 for further discussion.

 

In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments – Overall (Subtopic 825-10) – Recognition and Measurement of Financial Assets and Financial Liabilities. The guidance addresses certain aspects of recognition, measurement, presentation and disclosure of financial instruments. In particular, the guidance revises an entity’s accounting related to (1) the classification and measurement of investments in equity securities and (2) the presentation of certain fair value changes for financial liabilities measured at fair value. The guidance also amends certain disclosure requirements associated with fair value of financial instruments. For public business entities, the guidance is effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. Entities should apply the amendments by means of a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. The adoption of this update as of January 1, 2018 did not have a material impact on the Company’s consolidated financial position or results of operations.

 

In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842). The guidance supersedes existing guidance on accounting for leases with the main difference being that operating leases are to be recorded in the statement of financial position as right-of-use assets and lease liabilities, initially measured at the present value of the lease payments. For operating leases with a term of 12 months or less, a lessee is permitted to make an accounting policy election not to recognize lease assets and liabilities. For public business entities, the guidance is effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early application of the guidance is permitted. In transition, entities are required to recognize and measure leases at the beginning of the earliest period presented using a modified retrospective approach. Management is evaluating the new guidance, but does not expect the adoption of this update to have a material impact on the Company’s consolidated financial position or results of operations.

 

- 37 -

 

FIRST CAPITAL, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

 

(10 – continued)

 

In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326). The update replaces the incurred loss methodology for recognizing credit losses under current GAAP with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. Under the new guidance, an entity will measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable and supportable forecasts. The expected loss model will apply to loans and leases, unfunded lending commitments, held-to-maturity debt securities and other debt instruments measured at amortized cost. The impairment model for available-for-sale debt securities will require the recognition of credit losses through a valuation allowance when fair value is less than amortized cost, regardless of whether the impairment is considered to be other-than-temporary. For the Company, the amendments in the update are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Early adoption is permitted as of fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The Company is currently assessing the impact the guidance will have upon adoption, but management expects to recognize a one-time cumulative-effect adjustment to the allowance for loan losses as of the beginning of the first reporting period in which the new standard is effective. In planning for the implementation of ASU 2016-13, the Company has formed a current expected credit loss (“CECL”) implementation team consisting of members of senior management that meets on a periodic basis and is currently evaluating software solutions, data requirements and loss methodologies.

 

In August 2016, the FASB issued ASU No. 2016-15, Statement of Cash Flows (Topic 230) – Classification of Certain Cash Receipts and Cash Payments. The update addresses eight specific cash flow issues with the objective of reducing diversity in practice in how certain cash receipts and cash payments are presented and classified in the statement of cash flows. The amendments in the update are effective for public business entities for fiscal years beginning after December 15, 2017, and interim periods within those fiscal years. Early adoption is permitted, including adoption in an interim period. If an entity adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period, and all amendments must be adopted in the same period. The adoption of this update is not expected to have a material impact on the Company’s consolidated financial position or results of operations.

 

In March 2017, the FASB issued ASU No. 2017-08, Receivables – Nonrefundable Fees and Other Costs (Subtopic 310-20) – Premium Amortization on Purchased Callable Debt Securities. The update shortens the amortization period for certain callable debt securities held at a premium. Specifically, the update requires the premium to be amortized to the earliest call date. The update does not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. The amendments in the update are effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity should apply the amendments in this update on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosures about a change in accounting principle. The adoption of this update is not expected to have a material impact on the Company’s consolidated financial position or results of operations.

 

- 38 -

 

PART I - ITEM 2

 

MANAGEMENT’S DISCUSSION AND

ANALYSIS OF FINANCIAL CONDITION AND

RESULTS OF OPERATIONS

FIRST CAPITAL, INC.

 

Safe Harbor Statement for Forward-Looking Statements

 

This Quarterly Report on Form 10-Q may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are not historical facts nor guarantees of future performance; rather they are statements based on the Company’s current expectations regarding its business strategies and their intended results and its future performance. Forward-looking statements can be identified by use of the words “expects,” “believes,” “anticipates,” “intends,” “could,” “should” and similar expressions. Forward-looking statements also include, but are not limited to, statements regarding estimated cost savings, plans and objectives for future operations, and the Company’s business and growth strategies.

 

Numerous risks and uncertainties could cause or contribute to the Company’s actual results, performance and achievements being materially different from those expressed or implied by the forward-looking statements. Factors that may cause or contribute to these differences include, without limitation, general economic conditions, including changes in market interest rates and changes in monetary and fiscal policies of the federal government; the ability of the Company to execute its business plan; legislative and regulatory changes; the quality and composition of the loan and investment securities portfolio; loan demand; deposit flows; competition; and changes in accounting principles and guidelines. Additional factors that may affect our results are discussed in Part II of this Form 10-Q and in our Annual Report on Form 10-K for the year ended December 31, 2017 under “Item 1A. Risk Factors.” These factors should be considered in evaluating the forward-looking statements and undue reliance should not be placed on such statements. These forward-looking statements are made only as of the date of this Quarterly Report on Form 10-Q and, except as required by applicable law or regulation, the Company assumes no obligation and disclaims any obligation to update any forward-looking statements.

 

Critical Accounting Policies

 

During the three months ended March 31, 2018, there was no significant change in the Company’s critical accounting policies or the application of critical accounting policies as disclosed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2017.

 

Financial Condition

 

Total assets increased $8.3 million from $759.0 million at December 31, 2017 to $767.3 million at March 31, 2018, an increase of 1.1%.

 

Net loans receivable (excluding loans held for sale) decreased $2.3 million from $409.6 million at December 31, 2017 to $407.3 million at March 31, 2018. Commercial real estate loans, residential mortgage loans and consumer loans decreased $4.7 million, $2.1 million and $1.6 million, respectively, during the three months ended March 31, 2018 while construction loans and land loans increased $4.3 million and $3.1 million, respectively, during the period.

 

 

- 39 -

 

PART I - ITEM 2

 

MANAGEMENT’S DISCUSSION AND

ANALYSIS OF FINANCIAL CONDITION AND

RESULTS OF OPERATIONS

FIRST CAPITAL, INC.

 

Securities available for sale decreased $6.4 million from $271.2 million at December 31, 2017 to $264.8 million at March 31, 2018. Purchases of $6.3 million of securities classified as available for sale were made during the three months ended March 31, 2018 and consisted primarily of U.S. government agency notes and bonds and mortgage-backed securities. Principal repayments and maturities of available for sale securities totaled $6.3 million and $520,000, respectively, during the three months ended March 31, 2018. Municipal bonds and U.S. government agency mortgage-backed CMO’s with a value of $1.5 million were sold during the three months ended March 31, 2018. In addition, unrealized losses on securities available for sale increased $4.0 million during the three months ended March 31, 2018.

 

Cash and cash equivalents increased from $25.9 million at December 31, 2017 to $39.5 million at March 31, 2018, primarily due to excess liquidity from increases in deposit balances.

 

Total deposits increased from $664.6 million at December 31, 2017 to $681.6 million at March 31, 2018. Noninterest-bearing checking accounts, interest bearing checking accounts and savings accounts increased $9.3 million, $6.1 million and $5.1 million, respectively, during the three months ended March 31, 2018 primarily due to new accounts and normal balance fluctuations, while time deposits decreased $3.6 million during the period.

 

FHLB borrowings decreased $10.0 million from December 31, 2017 to March 31, 2018 as the Bank paid off all outstanding advances during the three-month period.

 

Total stockholders' equity attributable to the Company decreased from $80.9 million at December 31, 2017 to $79.3 million at March 31, 2018, primarily due to a $3.0 million increase in the net unrealized loss on available for sale securities partially offset by a $1.4 million increase in retained net income during the three months ended March 31, 2018. The increase in the net unrealized loss on available for sale securities during the period is primarily due to changes in long-term market interest rates.

 

Results of Operations

 

Net income for the three-month periods ended March 31, 2018 and 2017. Net income attributable to the Company was $2.1 million ($0.64 per diluted share) for the three months ended March 31, 2018 compared to $1.6 million ($0.46 per diluted share) for the same time period in 2017. The increase is primarily due to an increase in net interest income after provision for loan losses and a decrease in income tax expense.

 

Net interest income for the three-month periods ended March 31, 2018 and 2017. Net interest income increased $438,000 for the three months ended March 31, 2018 compared to the same period in 2017 primarily due to increases in the average balance and average tax-equivalent yield of interest-earning assets and a decrease in the average balance of interest-bearing liabilities.

 

- 40 -

 

PART I - ITEM 2

 

MANAGEMENT’S DISCUSSION AND

ANALYSIS OF FINANCIAL CONDITION AND

RESULTS OF OPERATIONS

FIRST CAPITAL, INC.

 

Total interest income increased $421,000 for the three months ended March 31, 2018 compared to the same period in 2017. For the three months ended March 31, 2018, the average balance of interest-earning assets and their tax-equivalent yield were $710.9 million and 3.87%, respectively. During the same period in 2017, the average balance of those assets was $704.4 million and the tax-equivalent yield was 3.70%. The average tax-equivalent yield increased when comparing the two periods despite being negatively impacted by the Tax Cuts and Jobs Act (“TCJA”) signed into law on December 22, 2017 as the yield would have been 3.93% for 2018 using the 34% federal corporate tax rate in effect for 2017 as opposed to the 21% rate in effect for 2018.

 

Total interest expense decreased $17,000 for the three months ended March 31, 2018 compared to the same period in 2017. The average balance of interest-bearing liabilities decreased from $546.7 million for 2017 to $540.8 million for 2018. The average rate paid on interest-bearing liabilities decreased from 0.26% to 0.25% when comparing the two periods.

 

As a result of the changes in interest-earning assets and interest-bearing liabilities, the interest rate spread on a tax-equivalent basis increased from 3.44% for the three months ended March 31, 2017 to 3.62% for the same period in 2018.

 

Provision for loan losses. Based on management’s analysis of the allowance for loan losses, the provision for loan losses decreased from $211,000 for the three-month period ended March 31, 2017 to $197,000 for the same period in 2018. The Bank recognized net charge-offs of $200,000 for the three months ended March 31, 2018 compared to $179,000 during the same period in 2017.

 

Provisions for loan losses are charges to earnings to maintain the total allowance for loan losses at a level considered adequate by management to provide for probable known and inherent loan losses based on management’s evaluation of the collectability of the loan portfolio, including the nature of the portfolio, credit concentrations, trends in historical loss experience, specified impaired loans and economic conditions. Although management uses the best information available, future adjustments to the allowance may be necessary due to changes in economic, operating, regulatory and other conditions that may be beyond the Bank’s control. While the Bank maintains the allowance for loan losses at a level that it considers adequate to provide for estimated losses, there can be no assurance that further additions will not be made to the allowance for loan losses and that actual losses will not exceed the estimated amounts.

 

The methodology used in determining the allowance for loan losses includes segmenting the loan portfolio by identifying risk characteristics common to groups of loans, determining and measuring impairment of individual loans based on the present value of expected future cash flows or the fair value of collateral, and determining and measuring impairment for groups of loans with similar characteristics by applying loss factors that consider the qualitative factors which may affect the loss rates.

 

- 41 -

 

PART I - ITEM 2

 

MANAGEMENT’S DISCUSSION AND

ANALYSIS OF FINANCIAL CONDITION AND

RESULTS OF OPERATIONS

FIRST CAPITAL, INC.

 

The allowance for loan losses was $3.6 million at both March 31, 2018 and December 31, 2017. Management has deemed these amounts as adequate at each date based on its best estimate of probable known and inherent loan losses at each date. At March 31, 2018, nonperforming loans amounted to $2.9 million compared to $2.8 million at December 31, 2017. Included in nonperforming loans were loans 90 days or more past due and still accruing interest of $179,000 and $291,000 at March 31, 2018 and December 31, 2017, respectively. These loans were accruing interest because the estimated value of the collateral and collection efforts are deemed sufficient to ensure full recovery. At March 31, 2018 and December 31, 2017, nonaccrual loans amounted to $2.7 million and $2.5 million, respectively.

 

Noninterest income for the three-month periods ended March 31, 2018 and 2017. Noninterest income for the quarter ended March 31, 2018 increased $73,000 compared to the quarter ended March 31, 2017. The increase was primarily due to an increase of $108,000 in services charges on deposit accounts partially offset by a $26,000 decrease in commission and fee income.

 

Noninterest expense for the three-month periods ended March 31, 2018 and 2017. Noninterest expense for the quarter ended March 31, 2018 increased $99,000 compared to the quarter ended March 31, 2017. Compensation and benefits expense and data processing expense increased $174,000 and $96,000, respectively, when comparing the two periods. This was partially offset by a $190,000 decrease in net losses on foreclosed real estate.

 

Income tax expense. Income tax expense decreased $154,000 for the first quarter of 2018 as compared to the first quarter of 2017 primarily due to the TCJA and the Bank’s investment in a tax credit entity during the quarter ended March 31, 2018. As a result of the TCJA, anticipated tax credits from the tax credit entity and an increase in nontaxable income, the effective tax rate for the quarter ended March 31, 2018 was 14.5% as compared to 24.9% for the same period in 2017.

 

Liquidity and Capital Resources

 

The Bank’s primary sources of funds are customer deposits, proceeds from loan repayments, maturing securities and FHLB advances. While loan repayments and maturities are a predictable source of funds, deposit flows and mortgage prepayments are greatly influenced by market interest rates, general economic conditions and competition. At March 31, 2018, the Bank had cash and cash equivalents of $39.5 million and securities available-for-sale with a fair value of $264.8 million. If the Bank requires funds beyond its ability to generate them internally, it has additional borrowing capacity with the FHLB of Indianapolis and additional collateral eligible for repurchase agreements.

 

The Bank’s primary investing activity is the origination of one-to-four family mortgage loans and commercial real estate loans and, to a lesser extent, consumer, multi-family, commercial business and residential construction loans. The Bank also invests in U.S. Government and agency securities and mortgage-backed securities issued by U.S. Government agencies.

 

The Bank must maintain an adequate level of liquidity to ensure the availability of sufficient funds to support loan growth and deposit withdrawals, to satisfy financial commitments and to take advantage of investment opportunities. Historically, the Bank has been able to retain a significant amount of its deposits as they mature.

 

- 42 -

 

PART I - ITEM 2

 

MANAGEMENT’S DISCUSSION AND

ANALYSIS OF FINANCIAL CONDITION AND

RESULTS OF OPERATIONS

FIRST CAPITAL, INC.

 

The Company is a separate legal entity from the Bank and must provide for its own liquidity. In addition to its operating expenses, the Company, on a stand-alone basis, is responsible for paying any dividends declared to its shareholders. The Board of Directors of the Company also has authorized the repurchase of shares of its common stock. The Company’s primary source of income is dividends received from the Bank. The amount of dividends that the Bank may declare and pay to the Company in any calendar year, without the receipt of prior approval from the Office of the Comptroller of the Currency (“OCC”) but with prior notice to the OCC, cannot exceed net income for that year to date plus retained net income (as defined in the applicable OCC regulations) for the preceding two calendar years. On a stand-alone basis, the Company had liquid assets of $1.9 million at March 31, 2018.

 

The Bank is required to maintain specific amounts of capital pursuant to regulatory requirements. As of March 31, 2018, the Bank was in compliance with all regulatory capital requirements that were effective as of such date with Tier 1 capital to average assets, common equity Tier 1 capital to risk-weighted assets, Tier 1 capital to risk-weighted assets and total capital to risk-weighted assets ratios of 9.7%, 13.8%, 13.8% and 14.5%, respectively. The regulatory requirements at that date to be considered “well-capitalized” under applicable regulations were 5.0%, 6.5%, 8.0% and 10.0%, respectively. At March 31, 2018, the Bank was considered “well-capitalized” under applicable regulatory guidelines.

 

Off-Balance Sheet Arrangements

 

In the normal course of operations, the Company engages in a variety of financial transactions that, in accordance with GAAP, are not recorded on the Company’s financial statements. These transactions involve, to varying degrees, elements of credit, interest rate and liquidity risk. Such transactions are primarily used to manage customers’ requests for funding and take the form of loan commitments and letters of credit. A further presentation of the Company’s off-balance sheet arrangements is presented in the Company’s Annual Report on Form 10-K for the year ended December 31, 2017.

 

For the three months ended March 31, 2018, the Company did not engage in any off-balance sheet transactions reasonably likely to have a material effect on the Company’s financial condition, results of operations or cash flows.

 

- 43 -

 

PART I – ITEM 3

 

QUANTITATIVE AND QUALITATIVE DISCLOSURES

ABOUT MARKET RISK

FIRST CAPITAL, INC.

 

Qualitative Aspects of Market Risk. Market risk is the risk that the estimated fair value of the Company’s assets and liabilities will decline as a result of changes in interest rates or financial market volatility, or that the Company’s net income will be significantly reduced by interest rate changes.

 

The Company’s principal financial objective is to achieve long-term profitability while reducing its exposure to fluctuating market interest rates. The Company has sought to reduce the exposure of its earnings to changes in market interest rates by attempting to manage the mismatch between asset and liability maturities and interest rates. In order to reduce the exposure to interest rate fluctuations, the Company has developed strategies to manage its liquidity, shorten its effective maturities of certain interest-earning assets and decrease the interest rate sensitivity of its asset base. Management has sought to decrease the average maturity of its assets by emphasizing the origination of short-term commercial and consumer loans, all of which are retained by the Company for its portfolio. The Company relies on retail deposits as its primary source of funds. Management believes retail deposits, compared to brokered deposits, reduce the effects of interest rate fluctuations because they generally represent a more stable source of funds.

 

Quantitative Aspects of Market Risk. The Company does not maintain a trading account for any class of financial instrument nor does the Company engage in hedging activities or purchase high-risk derivative instruments. Furthermore, the Company is not subject to foreign currency exchange rate risk or commodity price risk.

 

Potential cash flows, sales, or replacement value of many of our assets and liabilities, especially those that earn or pay interest, are sensitive to changes in the general level of interest rates. This interest rate risk arises primarily from our normal business activities of gathering deposits, extending loans and investing in investment securities. Many factors affect the Company’s exposure to changes in interest rates, such as general economic and financial conditions, customer preferences, historical pricing relationships, and re-pricing characteristics of financial instruments. The Company’s earnings can also be affected by the monetary and fiscal policies of the U.S. Government and its agencies, particularly the Board of Governors of the Federal Reserve System.

 

An element in the Company’s ongoing process is to measure and monitor interest rate risk using a Net Interest Income at Risk simulation to model the interest rate sensitivity of the balance sheet and to quantify the impact of changing interest rates on the Company. The model quantifies the effects of various possible interest rate scenarios on projected net interest income over a one-year horizon. The model assumes a semi-static balance sheet and measures the impact on net interest income relative to a base case scenario of hypothetical changes in interest rates over twelve months and provides no effect given to any steps that management might take to counter the effect of the interest rate movements. The scenarios include prepayment assumptions, changes in the level of interest rates, the shape of the yield curve, and spreads between market interest rates in order to capture the impact from re-pricing, yield curve, option, and basis risks.

 

- 44 -

 

PART I – ITEM 3

 

QUANTITATIVE AND QUALITATIVE DISCLOSURES

ABOUT MARKET RISK

FIRST CAPITAL, INC.

 

Results of the Company’s simulation modeling, which assumes an immediate and sustained parallel shift in market interest rates, project that the Company’s net interest income could change as follows over a one-year horizon, relative to our base case scenario, based on March 31, 2018 and December 31, 2017 financial information:

 

   At March 31, 2018  At December 31, 2017
Immediate Change  One Year Horizon  One Year Horizon
in the Level  Dollar  Percent  Dollar  Percent
of Interest Rates  Change  Change  Change  Change
   (Dollars in thousands)
300bp  $415    1.63%  $(160)   (0.62)%
200bp   105    0.41    (221)   (0.85)
100bp   101    0.40    (96)   (0.37)
Static   -    -    -    - 
(100)bp   (596)   (2.34)   (584)   (2.25)

 

At March 31, 2018, the Company’s simulated exposure to a change in interest rates shows that an immediate and sustained increase in rates of 1.00%, 2.00% or 3.00% would increase the Company’s net interest income over a one year horizon compared to a flat interest rate scenario. Alternatively, an immediate and sustained decrease in rates of 1.00% would decrease the Company’s net interest income over a one year horizon compared to a flat interest rate scenario. At December 31, 2017, all scenarios described would have resulted in a decrease of the Company’s net interest income over a one year horizon compared to a flat interest scenario.

 

The Company also has longer term interest rate risk exposure, which may not be appropriately measured by Net Interest Income at Risk modeling. Therefore, the Company also uses an Economic Value of Equity (“EVE”) interest rate sensitivity analysis in order to evaluate the impact of its interest rate risk on earnings and capital. This is measured by computing the changes in net EVE for its cash flows from assets, liabilities and off-balance sheet items in the event of a range of assumed changes in market interest rates. EVE modeling involves discounting present values of all cash flows for on and off balance sheet items under different interest rate scenarios and provides no effect given to any steps that management might take to counter the effect of the interest rate movements. The discounted present value of all cash flows represents the Company’s EVE and is equal to the market value of assets minus the market value of liabilities, with adjustments made for off-balance sheet items. The amount of base case EVE and its sensitivity to shifts in interest rates provide a measure of the longer term re-pricing and option risk in the balance sheet.

 

 

- 45 -

 

PART I – ITEM 3

 

QUANTITATIVE AND QUALITATIVE DISCLOSURES

ABOUT MARKET RISK

FIRST CAPITAL, INC.

 

Results of the Company’s simulation modeling, which assumes an immediate and sustained parallel shift in market interest rates, project that the Company’s EVE could change as follows, relative to the Company’s base case scenario, based on March 31, 2018 and December 31, 2017 financial information:

 

   At March 31, 2018
Immediate Change  Economic Value of Equity  Economic Value of Equity as a
in the Level  Dollar  Dollar  Percent  Percent of Present Value of Assets
of Interest Rates  Amount  Change  Change  EVE Ratio  Change
                
300bp  $102,897   $687    0.67%   14.70%   109bp
200bp   103,621    1,411    1.38    14.46    85bp
100bp   103,341    1,131    1.10    14.08    47bp
Static   102,210    -    -    13.61    0bp
(100)bp   97,812    (4,398)   (4.30)   12.74    (87)bp

 

   At December 31, 2017
Immediate Change  Economic Value of Equity  Economic Value of Equity as a
in the Level  Dollar  Dollar  Percent  Percent of Present Value of Assets
of Interest Rates  Amount  Change  Change  EVE Ratio  Change
                
300bp  $105,691   $(2,354)   (2.18)%   15.11%   75bp
200bp   107,347    (698)   (0.65)   14.98    62bp
100bp   108,056    11    0.01    14.71    35bp
Static   108,045    -    -    14.36    0bp

 

- 46 -

 

The previous tables indicate that at March 31, 2018 the Company would expect an increase in its EVE in the event of a sudden and sustained 100, 200 or 300 basis point increase in prevailing interest rates and a decrease in its EVE in the event of a sudden and sustained 100 basis point decrease in prevailing interest rates. Alternatively, at December 31, 2017, the Company would expect a decrease in its EVE in the event of a sudden and sustained 200 or 300 basis point increase in prevailing interest rates and in the event of a sudden and sustained 100 basis point decrease in prevailing interest rates, and expect an increase in its EVE in the event of a sudden and sustained 100 bases point increase in prevailing interest rates.

 

PART I – ITEM 3

 

QUANTITATIVE AND QUALITATIVE DISCLOSURES

ABOUT MARKET RISK

FIRST CAPITAL, INC.

 

The models are driven by expected behavior in various interest rate scenarios and many factors besides market interest rates affect the Company’s net interest income and EVE. For this reason, the Company models many different combinations of interest rates and balance sheet assumptions to understand its overall sensitivity to market interest rate changes. Therefore, as with any method of measuring interest rate risk, certain shortcomings are inherent in the method of analysis presented in the foregoing tables and it is recognized that the model outputs are not guarantees of actual results. For example, although certain assets and liabilities may have similar maturities or periods to repricing, they may react in different degrees to changes in market interest rates. Also, the interest rates on certain types of assets and liabilities may fluctuate in advance of changes in market interest rates, while interest rates on other types may lag behind changes in market rates. Additionally, certain assets, such as adjustable-rate mortgage loans, have features that restrict changes in interest rates on a short-term basis and over the life of the asset. Further, in the event of a change in interest rates, expected rates of prepayments on loans and early withdrawals from certificates of deposit could deviate significantly from those assumed in the modeling scenarios.

 

PART I - ITEM 4

 

CONTROLS AND PROCEDURES

FIRST CAPITAL, INC.

 

Controls and Procedures

 

The Company’s management, including the Company’s principal executive officer and principal financial officer, has evaluated the effectiveness of the Company’s “disclosure controls and procedures,” as such term is defined in Rule 13a-15(e) promulgated under the Securities Exchange Act of 1934, as amended, (the “Exchange Act”). Based upon their evaluation, the principal executive officer and principal financial officer concluded that, as of the end of the period covered by this report, the Company’s disclosure controls and procedures were effective for the purpose of ensuring that the information required to be disclosed in the reports that the Company files or submits under the Exchange Act with the SEC (1) is recorded, processed, summarized, and reported within the time periods specified in the SEC’s rules and forms, and (2) is accumulated and communicated to the Company’s management, including its principal executive and principal financial officers, as appropriate to allow timely decisions regarding required disclosure.

 

There have been no changes in the Company’s internal control over financial reporting during the quarter ended March 31, 2018 that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.

 

- 47 -

 

PART II

OTHER INFORMATION

FIRST CAPITAL, INC.

 

Item 1.Legal Proceedings

 

None.

 

Item 1A.Risk Factors

 

There have been no material changes to the risk factors previously disclosed in the “Risk Factors” section of the Company’s Annual Report on Form 10-K for the year ended December 31, 2017.

 

Item 2.Unregistered Sales of Equity Securities and Use of Proceeds

 

None.

 

Item 3.Defaults upon Senior Securities

 

Not applicable.

 

Item 4.Mine Safety Disclosures

 

Not applicable.

 

Item 5.Other Information

 

None.

 

- 48 -

 

PART II

OTHER INFORMATION

FIRST CAPITAL, INC.

 

Item 6.Exhibits

 

3.1 Articles of Incorporation of First Capital, Inc. (1)

 

3.2 Fifth Amended and Restated Bylaws of First Capital, Inc. (2)

 

11.0 Statement Re: Computation of Per Share Earnings (incorporated by reference to Note 5 of the Unaudited Consolidated Financial Statements contained herein)

 

31.1 Rule 13a-14(a)/15d-14(a) Certification of Chief Executive Officer

 

31.2 Rule 13a-14(a)/15d-14(a) Certification of Chief Financial Officer

 

32.1 Section 1350 Certification of Chief Executive Officer

 

32.2 Section 1350 Certification of Chief Financial Officer

 

101.0

The following materials from the Company’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2018, formatted in XBRL (Extensible Business Reporting Language): (i) the Consolidated Balance Sheets, (ii) the Consolidated Statements of Income, (iii) the Consolidated Statements of Comprehensive Income, (iv) the Consolidated Statement of Changes in Stockholders’ Equity, (v) the Consolidated Statements of Cash Flows and (vi) the Notes to the Consolidated Financial Statements.

___________________

 

(1)Incorporated by reference to Exhibit 3.1 filed with the Registration Statement on Form SB-2 on September 16, 1998, and any amendments thereto, Registration No. 333-63515, as amended by that Amendment to Articles of Incorporation provided as Exhibit 3.1 to the Report on Form 8-K files with the Securities and Exchange Commission on May 19, 2016.
(2)Incorporated by reference to Exhibit 3.2 to the Current Report on Form 8-K filed with the Securities and Exchange Commission on June 18, 2013.

 

 

 

- 49 -

 

SIGNATURES

 

Pursuant to the requirements 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.

 

    FIRST CAPITAL, INC.  
    (Registrant)  
         
Dated May 9, 2018   BY: /s/William W. Harrod  
      William W. Harrod  
      President and CEO  
         
Dated May 9, 2018   BY: /s/ Michael C. Frederick  
      Michael C. Frederick  
      Executive Vice President, CFO  
      and Treasurer  

 

 

 

 

 

 

EX-31.1 2 exh_311.htm EXHIBIT 31.1

Exhibit 31.1

 

CERTIFICATION

 

I, William W. Harrod, certify that:

 

1.I have reviewed this quarterly report on Form 10-Q of First Capital, Inc.;

 

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 subsidiaries, is made known to us by others within those entities, 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 in 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 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 change in the 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; and

 

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 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: May 9, 2018   /s/ William W. Harrod  
    William W. Harrod  
    President and Chief Executive Officer  

 

 

 

 

EX-31.2 3 exh_312.htm EXHIBIT 31.2

Exhibit 31.2

 

CERTIFICATION

 

I, Michael C. Frederick, certify that:

 

1.I have reviewed this quarterly report on Form 10-Q of First Capital, Inc.;

 

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 subsidiaries, is made known to us by others within those entities, 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 in 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 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 change in the 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; and

 

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 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: May 9, 2018   /s/ Michael C. Frederick  
    Michael C. Frederick  
    Executive Vice President, Chief Financial Officer and Treasurer  

 

 

 

 



EX-32.1 4 exh_321.htm EXHIBIT 32.1

Exhibit 32.1

 

 

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

 

In connection with the Quarterly Report of First Capital, Inc. and Subsidiaries (the "Company") on Form 10-Q for the period ended March 31, 2018, as filed with the Securities and Exchange Commission (the "Report"), I, William W. Harrod, President and Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

 

(1) The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

 

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of and for the period covered by the Report.

 

DATE: May 9, 2018   /s/ William W. Harrod  
    William W. Harrod  
   

President and Chief Executive Officer

(Principal Executive Officer)

 

 

 

 

 

 

 

EX-32.2 5 exh_322.htm EXHIBIT 32.2

Exhibit 32.2

 

CERTIFICATION PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

 

In connection with the Quarterly Report of First Capital, Inc. and Subsidiaries (the "Company") on Form 10-Q for the period ended March 31, 2018, as filed with the Securities and Exchange Commission (the "Report"), I, Michael C. Frederick, Senior Vice President, Chief Financial Officer and Treasurer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

 

(1) The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

 

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company as of and for the period covered by the Report.

 

DATE: May 9, 2018   /s/ Michael C. Frederick  
    Michael C. Frederick  
   

Executive Vice President,

Chief Financial Officer and Treasurer

(Principal Financial and Accounting Officer)

 

 

 

 

 

 

 
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background-color: rgb(204,238,255)"> <td style="width: 70%; font-size: 10pt; text-align: left">Residential real estate</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">353</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">350</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Commercial real estate</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">47</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">48</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Carrying amount</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">400</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">398</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Allowance for loan losses</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">0</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt">Carrying amount, net of allowance</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; font-weight: normal; font-style: normal; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">400</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; font-weight: normal; font-style: normal; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">396</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> </tr> </table></div> <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Three months ended March 31, 2018</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: center">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;<br /> Number of<br /> Contracts</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Pre-Modifcation<br /> Outstanding<br /> Balance</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Post-Modifcation<br /> Outstanding<br /> Balance</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="11" style="font-size: 10pt; font-style: italic; text-align: center">(Dollars in thousands)</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Troubled debt restructurings:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 55%; font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Commercial Business</td> <td style="width: 1%; font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 12%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">179</div></td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">179</div></td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 2.25pt; padding-left: 10pt">Total</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">179</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">179</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div> 0 -431000 -411000 6209000 3237000 -5077000 -2060000 40263000 39515000 21000 21000 49000 49000 10000000 85000 100000 <div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4.</div>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Qualified Affordable Housing Project Investment</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">On <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> January 19, 2018, </div>the Bank entered into an agreement to invest in qualified affordable housing projects through a limited liability company. At <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018, </div>the balance of the Bank&#x2019;s investment was <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$3.9</div> million and is reflected in other assets on the consolidated balance sheet. The unfunded commitment related to the qualified affordable housing project investment was <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$3.5</div> million at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and is reflected in other liabilities on the consolidated balance sheet. The Bank expects to fulfill the commitment as capital calls are made through <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2029.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">&nbsp;</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">The investment is accounted for using the proportional amortization method. During the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018, </div>the Bank recognized amortization expense of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$82,000,</div> which was included in income tax expense on the consolidated statement of income. Additionally, during the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018, </div>the Bank recognized tax credits and other tax benefits from its qualified affordable housing project investment of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$98,000.</div></div></div> 98000 49000 21000 534000 536000 515000 506000 3900000 82000 0 0 767324000 758956000 743000 743000 1000 1274000 1275000 4345000 471000 1447000 1140000 7403000 2253000 338000 985000 405000 3981000 111090000 18720000 70495000 71198000 271503000 114902000 15660000 70013000 73303000 273878000 271503000 32072000 31459000 64630000 63251000 29656000 29898000 139849000 141693000 15335000 15241000 129810000 124994000 264843000 271172000 264843000 264843000 264843000 271172000 271172000 271172000 106745000 18249000 69048000 70801000 112649000 15323000 69028000 74172000 264843000 106745000 106745000 18249000 18249000 69048000 69048000 70801000 70801000 264843000 264843000 112649000 112649000 15323000 15323000 69028000 69028000 74172000 74172000 271172000 271172000 43000 41000 39485000 39485000 39485000 25915000 25915000 25915000 13570000 1822000 15298000 19478000 39485000 25915000 45835000 47657000 <div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7.</div>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Supplemental Disclosures of Cash Flow Information</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;">&nbsp;</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;"></div></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; font-style: normal; text-align: justify">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="7" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Three Months Ended<br /> March 31,</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; font-style: normal; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; font-style: normal; text-align: center; border-bottom: Black 1pt solid">2018</td> <td style="font-size: 10pt; font-weight: bold; font-style: normal; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; font-style: normal; text-align: center; border-bottom: Black 1pt solid">2017</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: normal">&nbsp;</td> <td colspan="7" style="font-size: 10pt; font-weight: normal; text-align: center">(<div style="display: inline; font-size: 10pt; font-weight: normal"><div style="display: inline; font-style: italic;">In thousands</div><div style="display: inline; font-style: normal">)</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: justify">Cash payments for:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 64%; font-size: 10pt; text-align: justify; padding-left: 10pt">Interest</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">351</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">370</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify; padding-left: 10pt">Taxes (net of refunds received)</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">0</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">0</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: justify">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify">Noncash investing activities:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: justify; padding-left: 30pt; text-indent: -20pt">Transfers from loans to real estate acquired through foreclosure</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">27</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">194</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div></div> 8322000 7279000 470000 252000 459000 244000 14000 14000 3000 6000 0 2000 2000 0 400000 396000 617000 625000 353000 350000 47000 48000 400000 398000 0.23 0.21 0.01 0.01 7500000 7500000 3782933 3762933 3356964 3336964 38000 38000 -884000 2018000 3000 3000 -881000 2021000 75048000 11150000 57501000 14284000 157983000 74960000 11801000 57909000 14667000 159337000 3383000 394000 1315000 638000 5730000 1853000 300000 916000 322000 3391000 63 18 19 29 129 60 18 19 29 126 31683000 2948000 11047000 21667000 67345000 37570000 3036000 11119000 10955000 62680000 962000 77000 132000 502000 1673000 400000 38000 69000 83000 590000 36 7 4 41 88 37 6 4 20 67 7000 6000 225328000 222017000 7403000 3981000 217 193 1000 911000 212000 -93000 67000 681571000 664562000 681571000 679700000 679700000 664562000 663006000 663006000 312000 299000 <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: justify">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2017</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: justify">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: justify">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: justify">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 64%; font-size: 10pt; text-align: justify">Service charges on deposit accounts</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,109</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,001</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify; padding-bottom: 1pt">Investment advisory income</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">88</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">114</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: justify; padding-bottom: 1pt; padding-left: 10pt">Revenue from contracts with customers</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,197</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,115</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: justify">Gain on sale of loans and securities</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">241</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">257</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify">Increase in cash value of life insurance</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">43</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">41</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: justify; padding-bottom: 1pt">Other</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">45</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">40</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify; padding-bottom: 1pt; padding-left: 10pt">Other noninterest income</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">329</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">338</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: justify">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify; padding-bottom: 2.25pt; padding-left: 10pt">Total noninterest income</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,526</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,453</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div> <div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6.</div>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Stock Option Plan</div></div></div> <div style=" font-size: 10pt; line-height: 9pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">On <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> May 20, 2009, </div>the Company adopted the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2009</div> Equity Incentive Plan (the &#x201c;Plan&#x201d;). The Plan provides for the award of stock options, restricted stock, performance shares and stock appreciation rights. The aggregate number of shares of the Company&#x2019;s common stock available for issuance under the Plan <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> exceed <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">223,000</div> shares.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">At <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018, </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">184,000</div> shares of the Company&#x2019;s common stock were available for issuance under the Plan. The Company <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>grant both non-statutory and statutory stock options which <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> have a term exceeding <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">ten</div> years. In the case of incentive stock options, the aggregate fair value of the stock (determined at the time the incentive stock option is granted) for which any optionee <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>be granted incentive options which are <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">first</div> exercisable during any calendar year shall <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> exceed <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$100,000.</div> Option prices <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> be less than the fair market value of the underlying stock at the date of the grant. An award of a performance share is a grant of a right to receive shares of the Company&#x2019;s common stock which is contingent upon the achievement of specific performance criteria or other objectives set at the grant date. Stock appreciation rights are equity or cash settled share-based compensation arrangements whereby the number of shares that will ultimately be issued or the cash payment is based upon the appreciation of the Company&#x2019;s common stock. Awards granted under the Plan <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>be granted either alone, in addition to, or in tandem with, any other award granted under the Plan. The terms of the Plan also include provisions whereby all unearned options and restricted shares become immediately exercisable and fully vested upon a change in control.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">&nbsp;</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">The fair market value of stock options granted is estimated at the date of grant using an option pricing model. Expected volatilities are based on historical volatility of the Company's stock. The expected term of options granted represents the period of time that options are expected to be outstanding and is based on historical trends. The risk free rate for the expected life of the options is based on the U.S. Treasury yield curve in effect at the time of grant. As of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018, </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> stock options had been granted under the Plan.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">&nbsp;</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">On <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> February 20, 2018, </div>the Company granted <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20,000</div> restricted stock shares to directors, officers and key employees at a grant-date price of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$37.42</div> per share for a total of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$748,000.</div> The restricted stock vests ratably from the grant date through <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> July 1, 2023, </div>with <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20%</div> of the shares vesting each year on <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> July 1 </div>beginning <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> July 1, 2019. </div>On <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> February 17, 2015, </div>the Company granted <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">19,500</div> restricted stock shares to directors, officers and key employees at a grant-date price of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$24.50</div> per share for a total of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$478,000</div> with a similar vesting schedule from <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> July 1, 2016 </div>through <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> July 1, 2020. </div>Compensation expense is measured based on the fair market value of the restricted stock at the grant date and is recognized ratably over the period during which the shares are earned (the vesting period). Compensation expense related to restricted stock recognized for the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div>-month periods ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2017</div> amounted to <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$49,000</div> and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$21,000,</div> respectively.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">&nbsp;</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">A summary of the Company&#x2019;s nonvested restricted shares under the Plan as of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and changes during the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div>-month period then ended is presented below.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">&nbsp;</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;</div></td> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-weight: bold;">Number</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-weight: bold;">of</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-weight: bold;">Shares</div></div></td> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-weight: bold;">Weighted</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-weight: bold;">Average</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-weight: bold;">Grant Date</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-weight: bold;">Fair Value</div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 64%; font-size: 10pt; text-align: justify">Nonvested at January 1, 2018</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,500</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">24.50</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify">Granted</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20,000</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">37.42</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: justify">Vested</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify; padding-bottom: 1pt">Forfeited</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; text-align: left; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; text-align: left; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 10pt; text-align: right; padding-bottom: 1pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: justify">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify; padding-bottom: 2.5pt">Nonvested at March 31, 2018</td> <td style="font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">30,500</div></td> <td style="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">$</td> <td style="padding-bottom: 2.5pt; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">32.97</div></td> <td style="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; line-height: 90%; text-align: justify; margin: 0pt 0 0pt 0.7in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">At <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018, </div>there was <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$911,000</div> of total unrecognized compensation expense related to nonvested restricted shares. The compensation expense is expected to be recognized over the remaining vesting period of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5.25</div> years.</div></div></div> 33000 17000 701000 701000 772000 772000 0.64 0.46 0.64 0.46 0.64 0.46 <div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5.</div>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Supplemental Disclosure for Earnings Per Share</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="7" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Three Months Ended<br /> March 31,</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2017</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-style: italic">(Dollars in thousands, exept per share data)</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; text-decoration: underline;">Basic</div></td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; padding-left: 10pt">Earnings:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; padding-bottom: 2.25pt; padding-left: 20pt">Net income attributable to First Capital, Inc.</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right; border-bottom: Black 2.25pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$2,133</div></div></td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right; border-bottom: Black 2.25pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$1,553</div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 10pt">Shares:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 64%; font-size: 10pt; padding-bottom: 2.5pt; padding-left: 20pt">Weighted average common shares outstanding</td> <td style="width: 1%; font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left; border-bottom: Black 2.5pt double">&nbsp;</td> <td style="width: 15%; font-size: 10pt; text-align: right; border-bottom: Black 2.5pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,326,464</div></td> <td style="width: 1%; font-size: 10pt; text-align: left; padding-bottom: 2.5pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left; border-bottom: Black 2.5pt double">&nbsp;</td> <td style="width: 15%; font-size: 10pt; text-align: right; border-bottom: Black 2.5pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,342,052</div></td> <td style="width: 1%; font-size: 10pt; text-align: left; padding-bottom: 2.5pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt; padding-left: 10pt; text-indent: -10pt">Net income attributable to First Capital, Inc. per common share, basic</td> <td style="font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 2.5pt double">$</td> <td style="font-size: 10pt; text-align: right; border-bottom: Black 2.5pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">0.64</div></td> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 2.5pt double">$</td> <td style="font-size: 10pt; text-align: right; border-bottom: Black 2.5pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">0.46</div></td> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline">Diluted</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 10pt">Earnings:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 20pt">Net income attributable to First Capital, Inc.</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,133</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,553</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">Shares:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 10pt">Weighted average common shares outstanding</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,326,464</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,342,052</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Add: Dilutive effect of restricted stock</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,671</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,070</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 2.5pt; padding-left: 10pt">Weighted average common shares outstanding, as adjusted</td> <td style="font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 2.5pt double">&nbsp;</td> <td style="font-size: 10pt; text-align: right; border-bottom: Black 2.5pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,332,135</div></td> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 2.5pt double">&nbsp;</td> <td style="font-size: 10pt; text-align: right; border-bottom: Black 2.5pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,347,122</div></td> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt; padding-left: 10pt; text-indent: -10pt">Net income attributable to First Capital, Inc. per common share, diluted</td> <td style="font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 2.5pt double">$</td> <td style="font-size: 10pt; text-align: right; border-bottom: Black 2.5pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">0.64</div></td> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 2.5pt double">$</td> <td style="font-size: 10pt; text-align: right; border-bottom: Black 2.5pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">0.46</div></td> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;">&nbsp;</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">Nonvested restricted stock shares are <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> considered as outstanding for purposes of computing weighted average common shares outstanding. <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">No</div> shares were excluded from the calculations of diluted net income per share because their effect would be anti-dilutive for the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div>-month periods ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2017.</div></div></div></div> 911000 P5Y91D <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="15" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Carrying Value</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-style: italic; padding-bottom: 1pt">(In thousands)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Level 1</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Level 2</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Level 3</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-style: italic">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-style: italic">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-style: italic">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold">March 31, 2018</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; font-style: italic">Assets Measured on a Recurring Basis</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">Securities available for sale:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; font-size: 10pt; text-align: left; padding-left: 20pt">Agency mortgage-backed securities</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">106,745</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">106,745</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Agency CMO</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,249</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,249</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Agency notes and bonds</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69,048</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69,048</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Municipal obligations</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">70,801</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">70,801</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 30pt">Total securities available for sale</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">264,843</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">264,843</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; font-style: italic; text-align: left">Assets Measured on a Nonrecurring Basis</td> <td>&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="text-align: right">&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Impaired loans:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Residential real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,702</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,702</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 20pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">365</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">365</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">316</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">316</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Home equity and second mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">78</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">78</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Other consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 30pt">Total impaired loans</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,563</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,563</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 10pt">Loans held for sale</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,141</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,141</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Foreclosed real estate:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Residential real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">281</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">281</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Commercial real estate</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,528</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,528</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 30pt">Total foreclosed real estate</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,809</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,809</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline">December 31, 2017</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; font-style: italic; text-align: left">Assets Measured on a Recurring Basis</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Securities available for sale:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Agency mortgage-backed securities</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">112,649</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">112,649</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Agency CMO</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,323</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,323</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Agency notes and bonds</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69,028</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69,028</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Municipal obligations</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">74,172</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">74,172</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 30pt">Total securities available for sale</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">271,172</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">271,172</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; font-style: italic; text-align: left">Assets Measured on a Nonrecurring Basis</td> <td>&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="text-align: right">&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Impaired loans:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Residential real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,872</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,872</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">401</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">401</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Home equity and second mortgage</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">60</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">60</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 30pt">Total impaired loans</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,371</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,371</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 10pt">Loans held for sale</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,630</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,630</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Foreclosed real estate:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Residential real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">443</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">443</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Commercial real estate</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,528</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,528</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 30pt">Total foreclosed real estate</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,971</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,971</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div> <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; padding-bottom: 1pt">Carrying</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; padding-bottom: 1pt">Fair</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Fair Value Measurements Using</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-style: italic; padding-bottom: 1pt; padding-left: 10pt">(In thousands)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; padding-bottom: 1pt">Value</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; padding-bottom: 1pt">Value</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Level 1</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Level 2</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Level 3</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-style: italic">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-style: italic">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; padding-left: 0pt">March 31, 2018</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; padding-left: 0pt">Financial assets:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 35%; font-size: 10pt; text-align: left; padding-left: 10pt">Cash and cash equivalents</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">39,485</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">39,485</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">39,485</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Interest-bearing time deposits</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,019</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,944</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,944</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Securities available for sale</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">264,843</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">264,843</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">264,843</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Loans held for sale</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,141</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,186</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,186</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Loans, net</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">407,279</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">402,059</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">402,059</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">FHLB and other stock</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,979</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;N/A&nbsp;</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;N/A&nbsp;</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;N/A&nbsp;</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;N/A&nbsp;</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Accrued interest receivable</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,650</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,650</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,650</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt">Financial liabilities:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 10pt">Deposits</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">681,571</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">679,700</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">679,700</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Accrued interest payable</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">98</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">98</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">98</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; padding-left: 0pt">December 31, 2017:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt">Financial assets:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Cash and cash equivalents</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,915</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,915</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,915</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Interest-bearing time deposits</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,258</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,220</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,220</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Securities available for sale</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">271,172</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">271,172</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">271,172</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Securities held to maturity</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Loans held for sale</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,630</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,678</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,678</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Loans, net</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">409,618</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">404,931</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">404,931</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">FHLB and other stock</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,979</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;N/A&nbsp;</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;N/A&nbsp;</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;N/A&nbsp;</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;N/A&nbsp;</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Accrued interest receivable</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,694</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,694</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,694</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt">Financial liabilities:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-left: 10pt">Deposits</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">664,562</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">663,006</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">663,006</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">FHLB Advances</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,000</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,000</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,000</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Accrued interest payable</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">107</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">107</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">107</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div> <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; min-width: 700px;"> <tr style="vertical-align: top"> <td style="width: 0.5in"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8.</div></div></div></td> <td style="text-align: justify"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;">Fair Value Measurements</div></div></td> </tr> </table> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;">&nbsp;</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">FASB ASC Topic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">820</div><div style="display: inline; font-style: italic;">, Fair Value Measurements,</div> provides the framework for measuring fair value. That framework provides a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div> measurements) and the lowest priority to unobservable inputs (Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div> measurements). The <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> levels of the fair value hierarchy under FASB ASC Topic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">820</div> are described as follows:</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; min-width: 700px;"> <tr style="vertical-align: top; text-align: left"> <td style="width: 9%">&nbsp;</td> <td style="width: 8%">Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1:</div></td> <td style="width: 83%">Inputs to the valuation methodology are quoted prices, unadjusted, for identical assets or liabilities in active markets</td> </tr> <tr style="vertical-align: top; text-align: left"> <td>&nbsp;</td> <td>&nbsp;</td> <td>&nbsp;</td> </tr> <tr style="vertical-align: top; text-align: left"> <td>&nbsp;</td> <td>Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2:</div></td> <td>Inputs to the valuation methodology include quoted market prices for similar assets or liabilities in active markets; quoted market prices for identical or similar assets or liabilities in markets that are <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> active; or inputs that are derived principally from or can be corroborated by observable market data by correlation or other means.</td> </tr> <tr style="vertical-align: top; text-align: left"> <td>&nbsp;</td> <td>&nbsp;</td> <td>&nbsp;</td> </tr> <tr style="vertical-align: top; text-align: left"> <td>&nbsp;</td> <td>Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3:</div></td> <td>Inputs to the valuation methodology are unobservable and significant to the fair value measurement. Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div> assets and liabilities include financial instruments whose value is determined using discounted cash flow methodologies, as well as instruments for which the determination of fair value requires significant management judgment or estimation.</td> </tr> </table> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth on the following page. These valuation methodologies were applied to all of the Company&#x2019;s financial and nonfinancial assets carried at fair value or the lower of cost or fair value. The table below presents the balances of assets measured at fair value on a recurring and nonrecurring basis as of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017. </div>The Company had <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> liabilities measured at fair value as of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>or <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017.</div></div></div> <div style=" font-size: 10pt; text-align: center; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;">&nbsp;</div></div></div> <!-- Field: Page; Sequence: 31; Value: 2 --> <div style=" font-size: 10pt; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="15" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Carrying Value</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-style: italic; padding-bottom: 1pt">(In thousands)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Level 1</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Level 2</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Level 3</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-style: italic">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-style: italic">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-style: italic">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold">March 31, 2018</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; font-style: italic">Assets Measured on a Recurring Basis</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">Securities available for sale:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; font-size: 10pt; text-align: left; padding-left: 20pt">Agency mortgage-backed securities</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">106,745</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">106,745</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Agency CMO</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,249</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,249</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Agency notes and bonds</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69,048</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69,048</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Municipal obligations</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">70,801</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">70,801</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 30pt">Total securities available for sale</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">264,843</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">264,843</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; font-style: italic; text-align: left">Assets Measured on a Nonrecurring Basis</td> <td>&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="text-align: right">&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Impaired loans:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Residential real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,702</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,702</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 20pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">365</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">365</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">316</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">316</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Home equity and second mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">78</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">78</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Other consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 30pt">Total impaired loans</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,563</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,563</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 10pt">Loans held for sale</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,141</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,141</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Foreclosed real estate:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Residential real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">281</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">281</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Commercial real estate</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,528</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,528</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 30pt">Total foreclosed real estate</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,809</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,809</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline">December 31, 2017</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; font-style: italic; text-align: left">Assets Measured on a Recurring Basis</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Securities available for sale:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Agency mortgage-backed securities</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">112,649</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">112,649</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Agency CMO</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,323</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,323</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Agency notes and bonds</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69,028</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69,028</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Municipal obligations</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">74,172</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">74,172</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 30pt">Total securities available for sale</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">271,172</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">271,172</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; font-style: italic; text-align: left">Assets Measured on a Nonrecurring Basis</td> <td>&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="text-align: right">&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Impaired loans:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Residential real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,872</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,872</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">401</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">401</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Home equity and second mortgage</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">60</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">60</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 30pt">Total impaired loans</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,371</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,371</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 10pt">Loans held for sale</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,630</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,630</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Foreclosed real estate:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Residential real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">443</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">443</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Commercial real estate</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,528</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,528</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 30pt">Total foreclosed real estate</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,971</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,971</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">Fair value is based upon quoted market prices, where available. If quoted market prices are <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> available, fair value is based on internally developed models or obtained from <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">third</div> parties that primarily use, as inputs, observable market-based parameters or a matrix pricing model that employs the Bond Market Association&#x2019;s standard calculations for cash flow and price/yield analysis and observable market-based parameters. Valuation adjustments <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>be made to ensure that financial instruments are recorded at fair value, or the lower of cost or fair value. These adjustments <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>include unobservable parameters. Any such valuation adjustments have been applied consistently over time. The Company&#x2019;s valuation methodologies <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>produce a fair value calculation that <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> be indicative of net realizable value or reflective of future fair values. While management believes the Company&#x2019;s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic;">Securities Available for Sale</div></div><div style="display: inline; font-style: italic;">. </div></div>Securities classified as available for sale are reported at fair value on a recurring basis.&nbsp;&nbsp;These securities are classified as Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div> of the valuation hierarchy where quoted market prices from reputable <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">third</div>-party brokers are available in an active market. If quoted market prices are <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> available, the Company obtains fair value measurements from an independent pricing service.&nbsp;&nbsp;These securities are reported using Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div> inputs and the fair value measurements consider observable data that <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>include dealer quotes, market spreads, cash flows, U.S. government and agency yield curves, live trading levels, trade execution data, market consensus prepayment speeds, credit information, and the security&#x2019;s terms and conditions, among other factors. Changes in fair value of securities available for sale are recorded in other comprehensive income, net of income tax effect.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic;">Impaired Loans</div></div>. <div style="display: inline; letter-spacing: 0.25pt">Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly. The fair value of impaired loans is classified as Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div> in the fair value hierarchy. </div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">Impaired loans are carried at the present value of estimated future cash flows using the loan's effective interest rate or the fair value of collateral less estimated costs to sell if the loan is collateral dependent. At <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017, </div>all impaired loans were considered to be collateral dependent for the purpose of determining fair value. Collateral <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>be real estate and/or business assets, including equipment, inventory and/or accounts receivable. The fair value of the collateral is generally determined based on real estate appraisals or other independent evaluations by qualified professionals, adjusted for estimated costs to sell the property, costs to complete or repair the property and other factors to reflect management&#x2019;s estimate of the fair value of the collateral given the current market conditions and the condition of the collateral. At <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017, </div>the significant unobservable inputs used in the fair value measurement of impaired loans included a discount from appraised value for estimates of changes in market conditions, the condition of the collateral and estimated costs to sell the collateral ranging from <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14%</div> to <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">62%,</div> with a weighted average discount of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">39%.</div> </div>The Company recognized provisions for loan losses for impaired loans for the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2017 </div>of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$65,000</div> and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$2,000,</div> respectively.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic;">Loans Held for Sale</div></div>. Loans held for sale are carried at the lower of cost or market value. The portfolio is comprised of residential real estate loans and fair value is based on specific prices of underlying contracts for sales to investors.&nbsp; These measurements are classified as Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic;">Foreclosed Real Estate</div></div>. <div style="display: inline; letter-spacing: 0.25pt">Foreclosed real estate is reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly. The fair value of foreclosed real estate is classified as Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div> in the fair value hierarchy.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">Foreclosed real estate is reported at fair value less estimated costs to dispose of the property. The fair values are determined by real estate appraisals which are then discounted to reflect management&#x2019;s estimate of the fair value of the property given current market conditions and the condition of the collateral. At <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018, </div>the significant unobservable inputs used in the fair value measurement of foreclosed real estate included a discount from appraised value for estimates of changes in market conditions, the condition of the collateral and estimated costs to sell the property ranging from <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10%</div> to <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">76%,</div> with a weighted average of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">44%.</div> At <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017, </div>the discount from appraised value ranged from <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17%</div> to <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">75%,</div> with a weighted average of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">45%.</div> The Company recognized losses of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$228,000</div> to write down foreclosed real estate for the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2017. </div>There were <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> charges to write down foreclosed real estate recognized in income for the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018. </div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">There have been <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> changes in the valuation techniques and related inputs used for assets measured at fair value on a recurring and nonrecurring basis during the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> month periods ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2017.</div> </div>There were <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> transfers into or out of the Company&#x2019;s Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div> financial assets for the <div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> month periods ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2017</div></div>. In addition, there were <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> transfers into or out of Levels <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div> and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div> of the fair value hierarchy during the <div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> month periods ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2017</div></div>.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">&nbsp;</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">GAAP requires disclosure of the fair value of financial assets and financial liabilities, whether or <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> recognized in the balance sheet. In cases where quoted market prices are <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> be realized in immediate settlement of the instruments. Accordingly, the aggregate fair value amounts presented do <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> represent the underlying value of the Company. <div style="display: inline; letter-spacing: 0.25pt">The estimated fair values of the Company's financial instruments are as follows:</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; padding-bottom: 1pt">Carrying</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; padding-bottom: 1pt">Fair</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Fair Value Measurements Using</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-style: italic; padding-bottom: 1pt; padding-left: 10pt">(In thousands)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; padding-bottom: 1pt">Value</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; padding-bottom: 1pt">Value</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Level 1</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Level 2</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Level 3</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-style: italic">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-style: italic">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; padding-left: 0pt">March 31, 2018</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; padding-left: 0pt">Financial assets:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 35%; font-size: 10pt; text-align: left; padding-left: 10pt">Cash and cash equivalents</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">39,485</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">39,485</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">39,485</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Interest-bearing time deposits</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,019</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,944</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,944</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Securities available for sale</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">264,843</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">264,843</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">264,843</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Loans held for sale</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,141</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,186</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,186</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Loans, net</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">407,279</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">402,059</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">402,059</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">FHLB and other stock</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,979</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;N/A&nbsp;</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;N/A&nbsp;</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;N/A&nbsp;</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;N/A&nbsp;</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Accrued interest receivable</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,650</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,650</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,650</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt">Financial liabilities:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 10pt">Deposits</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">681,571</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">679,700</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">679,700</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Accrued interest payable</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">98</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">98</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">98</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; padding-left: 0pt">December 31, 2017:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt">Financial assets:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Cash and cash equivalents</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,915</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,915</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,915</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Interest-bearing time deposits</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,258</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,220</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,220</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Securities available for sale</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">271,172</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">271,172</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">271,172</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Securities held to maturity</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Loans held for sale</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,630</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,678</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,678</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Loans, net</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">409,618</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">404,931</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">404,931</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">FHLB and other stock</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,979</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;N/A&nbsp;</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;N/A&nbsp;</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;N/A&nbsp;</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;N/A&nbsp;</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Accrued interest receivable</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,694</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,694</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,694</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt">Financial liabilities:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-left: 10pt">Deposits</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">664,562</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">663,006</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">663,006</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">FHLB Advances</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,000</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,000</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,000</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Accrued interest payable</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">107</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">107</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">107</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div></div> 21543000 5707000 10000000 10000000 10000000 1979000 1979000 3631000 3634000 301000 156000 291000 1520000 276000 680000 407000 2000 2000 219000 133000 245000 1622000 291000 710000 414000 380000 56000 80000 1670000 198000 683000 319000 3386000 271000 109000 223000 1585000 244000 698000 288000 3418000 200000 156000 291000 1520000 273000 667000 407000 3514000 182000 133000 245000 1622000 287000 697000 414000 3580000 2300000 2100000 101000 3000 13000 117000 35000 4000 13000 52000 3000 8000 1000 3000 42000 57000 16000 44000 4000 1000 44000 109000 97000 60000 1000 196000 257000 40000 1000 43000 204000 288000 131727000 21242000 25354000 95239000 32966000 50497000 51113000 408138000 133703000 18309000 21034000 99891000 34161000 50905000 52793000 410796000 <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Residential<br /> Real Estate</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Land</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Construction</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial<br /> Real Estate</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial<br /> Business</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style=" margin-top: 0; margin-bottom: 0">Home Equity</div> <div style=" margin-top: 0; margin-bottom: 0">&amp;<br /> 2nd Mtg</div></td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Other<br /> Consumer</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="31" style="font-size: 10pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; text-decoration: underline;">March 31, 2018</div></td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 20%; font-size: 10pt">Pass</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">131,433</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,109</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,125</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">92,367</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">32,287</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,510</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,966</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">403,797</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Special Mention</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">395</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">83</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">229</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,347</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">786</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">152</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,992</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">Substandard</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">778</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,833</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">73</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,739</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">Doubtful</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,277</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">104</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">76</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,690</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 1pt">Loss</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 2.25pt">Total</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">134,883</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,336</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,354</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,651</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">33,285</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,588</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">51,121</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">412,218</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline">December 31, 2017</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">Pass</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">133,618</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,003</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20,173</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">97,219</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">33,245</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,919</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,629</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">405,806</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Special Mention</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">348</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">157</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">861</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,362</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">734</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">161</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,623</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">Substandard</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">684</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">149</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,620</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">182</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,640</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">Doubtful</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,310</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">42</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">57</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,548</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 1pt">Loss</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 2.25pt">Total</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">136,960</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,309</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,034</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">100,340</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,203</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,978</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,793</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">414,617</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div> 2803000 94000 365000 319000 91000 8000 3680000 2907000 401000 42000 73000 3423000 0 1 1 179000 179000 179000 179000 0 0 100000 109000 95000 66000 59000 13000 28000 179000 291000 130794000 20861000 25354000 95267000 33005000 50422000 50844000 406547000 132405000 18028000 21034000 99774000 34006000 50470000 52308000 408025000 2262000 2298000 94000 104000 139000 139000 42000 76000 57000 2675000 2536000 2108000 155000 1473000 3736000 381000 94000 475000 233000 104000 337000 156000 124000 280000 152000 1000 13000 166000 249000 15000 13000 277000 3046000 404000 1821000 5271000 2612000 338000 1255000 4205000 186000 95000 281000 379000 139000 518000 46000 49000 102000 197000 468000 27000 13000 508000 420000 37000 28000 485000 4111000 451000 1632000 6194000 2362000 2407000 94000 95000 104000 139000 205000 101000 76000 57000 13000 28000 2854000 2827000 1076000 1112000 240000 257000 241000 257000 -29000 -227000 6472000 6472000 1000 1000 0 1000 1000 1000 1000 1000 2855000 2160000 47000 383000 1150000 181000 133000 82000 243000 4000 24000 3552000 3710000 7000 8000 5000 3000 4000 16000 11000 0 0 2803000 94000 365000 319000 91000 8000 3680000 2907000 401000 42000 73000 3423000 101000 3000 13000 117000 35000 4000 13000 52000 3045000 95000 363000 322000 99000 8000 3932000 3166000 535000 42000 81000 3824000 2610000 2010000 47000 383000 1150000 152000 74000 69000 230000 4000 6000 3265000 3470000 7000 8000 5000 3000 4000 16000 11000 2525000 94000 365000 291000 78000 8000 3361000 2695000 401000 12000 60000 3168000 2760000 95000 363000 292000 86000 8000 3604000 2948000 535000 12000 68000 3563000 245000 150000 29000 59000 13000 13000 18000 287000 240000 278000 28000 13000 319000 212000 30000 13000 255000 285000 30000 13000 328000 218000 30000 13000 261000 <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">At March 31, 2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="7" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Three Months Ended March 31, 2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="7" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Three Months Ended March 31, 2017</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Recorded<br /> Investment</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Unpaid<br /> Principal<br /> Balance</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Related<br /> Allowance</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Average<br /> Recorded<br /> Investment</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Interest<br /> Income<br /> Recognized</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Average<br /> Recorded<br /> Investment</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Interest<br /> Income<br /> Recognized</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="27" style="font-size: 10pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline; text-align: left">Loans with no related allowance recorded:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="text-align: right">&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 23%; font-size: 10pt; text-align: left; padding-left: 10pt">Residential</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,525</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,760</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,610</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,010</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">47</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">365</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">363</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">383</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,150</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">291</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">292</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">152</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">74</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">78</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">86</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">230</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Other consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,361</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,604</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,265</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">16</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,470</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline; text-align: left">Loans with an allowance recorded:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="text-align: right">&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Residential</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">278</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">285</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">101</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">245</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">150</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">28</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">30</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">29</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">59</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Other consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">319</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">328</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">117</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">287</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">240</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline">Total:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Residential</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,803</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,045</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">101</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,855</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,160</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">47</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">365</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">363</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">383</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,150</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">319</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">322</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">181</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">133</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">91</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">99</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">82</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">243</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Other consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">24</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,680</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,932</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">117</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,552</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">16</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,710</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div><div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center; padding-left: 10pt">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;<br /> Recorded<br /> Investment</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Unpaid<br /> Principal<br /> Balance</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;<br /> Related<br /> Allowance</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="11" style="font-size: 10pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td colspan="5" style="font-size: 10pt; font-weight: bold"><div style="display: inline; text-decoration: underline;">Loans with no related allowance recorded:</div></td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 46%; font-size: 10pt; text-align: left; padding-left: 10pt">Residential</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,695</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,948</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">401</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">535</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">60</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">68</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Other consumer</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,168</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,563</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline; text-align: left; padding-left: 0pt">Loans with an allowance recorded:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="text-align: right">&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Residential</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">212</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">218</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">35</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">30</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">30</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Other consumer</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">255</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">261</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline; padding-left: 0pt">Total:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Residential</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,907</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,166</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">35</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">401</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">535</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">42</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">42</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">73</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">81</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Other consumer</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,423</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,824</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div> 361000 515000 0 0 -44000 74000 17009000 17009000 -9000 -11000 265000 -77000 5671 5070 3332135 3347122 744000 648000 6764000 6343000 5301000 4947000 542460000 534734000 2644000 730000 342000 359000 321000 359000 21000 6225000 5773000 6422000 5984000 378000 329000 952000 933000 351000 370000 98000 107000 2650000 2694000 1979000 1979000 <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="7" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Securities Available for Sale</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Amortized<br /> Cost</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Fair<br /> Value</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-style: italic">(In thousands)</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 58%; font-size: 10pt; text-align: left">Due in one year or less</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 18%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,335</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 18%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,241</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: -10pt; padding-left: 10pt">Due after one year through five years</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">64,630</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">63,251</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: -10pt; padding-left: 10pt">Due after five years through ten years</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">32,072</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">31,459</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Due after ten years</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">29,656</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">29,898</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">141,693</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139,849</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt; padding-bottom: 1pt">Mortgage-backed securities and CMO</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 10pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">129,810</div></td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 10pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">124,994</div></td> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">271,503</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">264,843</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div> <div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2.</div>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investment Securities</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;">&nbsp;</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">Investment securities have been classified in the consolidated balance sheets according to management&#x2019;s intent. Investment securities at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017 </div>are summarized as follows:</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic;">(In thousands)</div></td> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Amortized<br /> Cost</td> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Gross<br /> Unrealized<br /> Gains</td> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Gross<br /> Unrealized<br /> Losses</td> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Fair<br /> Value</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"><div style="display: inline; text-decoration: underline;">March 31, 2018</div></td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left">Securities available for sale:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; font-size: 10pt; text-align: left; padding-left: 10pt">Agency mortgage-backed securities</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">111,090</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,345</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">106,745</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency CMO</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,720</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">471</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,249</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Other debt securities:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Agency notes and bonds</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">70,495</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,447</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69,048</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Municipal obligations</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">71,198</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">743</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,140</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">70,801</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 20pt">Total securities available for sale</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">271,503</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">743</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,403</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">264,843</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline; text-align: left">December 31, 2017</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: right">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: right">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: right">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: right">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Securities available for sale:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency mortgage-backed securities</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">114,902</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,253</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">112,649</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency CMO</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,660</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">338</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,323</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Other debt securities:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Agency notes and bonds</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">70,013</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">985</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69,028</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Municipal obligations</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">73,303</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,274</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">405</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">74,172</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 20pt">Total securities available for sale</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">273,878</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,275</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,981</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">271,172</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Securities held to maturity:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Agency mortgage-backed securities</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 20pt">Total securities held to maturity</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.2in; color: Red"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;"></div></div></div> <div style=" margin: 0pt 0"></div> <div style=" font-size: 10pt; text-indent: -13.5pt; margin: 0pt 0 0pt 13.5pt"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: center; text-indent: -13.5pt; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;">&nbsp;</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">Agency notes and bonds, agency mortgage-backed securities and agency collateralized mortgage obligations (&#x201c;CMO&#x201d;) include securities issued by the Government National Mortgage Association (&#x201c;GNMA&#x201d;), a U.S. government agency, and the Federal National Mortgage Association (&#x201c;FNMA&#x201d;), the Federal Home Loan Mortgage Corporation (&#x201c;FHLMC&#x201d;) and the Federal Home Loan Bank (&#x201c;FHLB&#x201d;), which are government-sponsored enterprises. </div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">The amortized cost and fair value of debt securities as of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018, </div>by contractual maturity, are shown below. Expected maturities of mortgage-backed securities and CMO <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>differ from contractual maturities because the mortgages underlying the obligations <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>be prepaid without penalty.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="7" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Securities Available for Sale</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Amortized<br /> Cost</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Fair<br /> Value</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-style: italic">(In thousands)</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 58%; font-size: 10pt; text-align: left">Due in one year or less</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 18%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,335</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 18%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,241</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: -10pt; padding-left: 10pt">Due after one year through five years</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">64,630</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">63,251</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: -10pt; padding-left: 10pt">Due after five years through ten years</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">32,072</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">31,459</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Due after ten years</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">29,656</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">29,898</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">141,693</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139,849</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt; padding-bottom: 1pt">Mortgage-backed securities and CMO</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 10pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">129,810</div></td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 10pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">124,994</div></td> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">271,503</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">264,843</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">Information pertaining to investment securities available for sale with gross unrealized losses at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018, </div>aggregated by investment category and the length of time that individual investment securities have been in a continuous position, follows.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Number of<br /> Investment<br /> Positions</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;<br /> Fair<br /> Value</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Gross<br /> Unrealized<br /> Losses</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-style: italic">(Dollars in thousands)</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">Continuous loss position less than twelve months:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 46%; font-size: 10pt; text-align: left; padding-left: 10pt">Agency mortgage-backed securities</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">36</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">31,683</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">962</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency CMO</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,948</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">77</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency notes and bonds</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,047</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">132</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Muncipal obligations</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">41</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,667</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">502</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Total less than twelve months</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">88</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">67,345</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,673</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Continuous loss position more than twelve months:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency mortgage-backed securities</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">63</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">75,048</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,383</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency CMO</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,150</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">394</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency notes and bonds</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">19</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">57,501</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,315</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Muncipal obligations</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">29</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,284</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">638</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Total more than twelve months</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">129</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">157,983</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,730</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 20pt">Total securities available for sale</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">217</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">225,328</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,403</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">Information pertaining to investment securities available for sale with gross unrealized losses at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017, </div>aggregated by investment category and the length of time that individual investment securities have been in a continuous position, follows. At <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017, </div>the Company did <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> have any securities held to maturity with an unrealized loss.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Number of<br /> Investment<br /> Positions</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;<br /> Fair<br /> Value</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Gross<br /> Unrealized<br /> Losses</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-style: italic">(Dollars in thousands)</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">Continuous loss position less than twelve months:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 46%; font-size: 10pt; text-align: left; padding-left: 10pt">Agency mortgage-backed securities</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">37</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">37,570</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">400</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency CMO</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,036</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency notes and bonds</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,119</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Muncipal obligations</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,955</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">83</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Total less than twelve months</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">67</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">62,680</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">590</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Continuous loss position more than twelve months:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency mortgage-backed securities</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">60</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">74,960</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,853</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency CMO</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,801</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">300</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency notes and bonds</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">19</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">57,909</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">916</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Muncipal obligations</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">29</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,667</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">322</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Total more than twelve months</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">126</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">159,337</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,391</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 20pt">Total securities available for sale</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">193</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">222,017</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,981</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">Management evaluates securities for other-than-temporary impairment at least quarterly, and more frequently when economic or market concerns warrant such evaluation. Consideration is given to (<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div>) the length of time and the extent to which the fair value has been less than cost, (<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div>) the financial condition and near-term prospects of the issuer, and (<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div>) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recover in fair value.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">At <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018, </div>the U.S. government agency debt securities, including agency notes and bonds, mortgage-backed securities and CMO, and municipal obligations in a loss position had depreciated approximately <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3.2%</div> from the amortized cost basis. All of the U.S. government agency securities and municipal obligations are issued by U.S. government agencies, government-sponsored enterprises and municipal governments, or are secured by <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">first</div> mortgage loans and municipal project revenues. These unrealized losses related principally to current interest rates for similar types of securities. In analyzing an issuer&#x2019;s financial condition, management considers whether the securities are issued by the federal government, its agencies or other governments, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer&#x2019;s financial condition. As the Company has the ability to hold the debt securities until maturity, or the foreseeable future if classified as available for sale, <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> declines are deemed to be other-than-temporary.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">While management does <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> anticipate any credit-related impairment losses at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018, </div>additional deterioration in market and economic conditions <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>have an adverse impact on credit quality in the future.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">&nbsp;</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=""></div> <div style=" font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">During the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018, </div>the Company realized gross gains of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$7,000</div> and gross losses of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$6,000</div> on sales of available for sale municipal securities and U.S. government agency mortgage-backed CMO&#x2019;s, respectively. During the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2017, </div>the Company did <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> have any security sales.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">&nbsp;</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">Certain available for sale debt securities were pledged to secure public fund deposits at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017.</div></div></div> 2894000 2720000 687878000 677906000 767324000 758956000 0 0 0 134883000 21336000 25354000 95651000 33285000 50588000 51121000 412218000 353000 47000 400000 136960000 18309000 21034000 100340000 34203000 50978000 52793000 414617000 350000 48000 398000 353000 134883000 350000 136960000 131433000 21109000 25125000 92367000 32287000 50510000 50966000 403797000 395000 83000 229000 1347000 786000 152000 2992000 778000 50000 1833000 73000 2000 3000 2739000 2277000 94000 104000 139000 76000 2690000 133618000 18003000 20173000 97219000 33245000 50919000 52629000 405806000 348000 157000 861000 1362000 734000 161000 3623000 684000 149000 1620000 182000 2000 3000 2640000 2310000 139000 42000 57000 2548000 590000 593000 354000 356000 179000 15000 15000 1138000 964000 0 0 484000 487000 354000 356000 179000 15000 15000 1032000 858000 106000 106000 106000 106000 19155000 25020000 134298000 136399000 21248000 18198000 31207000 28854000 95471000 100133000 13261000 17161000 33186000 34114000 49423000 49802000 38809000 38361000 1294000 1751000 3553000 3744000 7275000 8714000 429025000 437231000 407279000 409618000 2141000 2186000 2186000 2630000 2678000 2678000 2141000 2141000 2630000 2630000 <div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div><div style="display: inline; letter-spacing: 0.25pt">.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans and Allowance for Loan Losses</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;">&nbsp;</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">The Company&#x2019;s loan and allowance for loan loss policies are as follows:</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">Loans are stated at unpaid principal balances, less net deferred loan fees and the allowance for loan losses. The Company originates real estate mortgage, commercial business and consumer loans. A substantial portion of the loan portfolio is represented by mortgage loans to customers in the Louisville, Kentucky metropolitan statistical area (MSA). The ability of the Company&#x2019;s customers to honor their loan agreements is largely dependent upon the real estate and general economic conditions in this area.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">Loan origination and commitment fees, as well as certain direct costs of underwriting and closing loans, are deferred and amortized as a yield adjustment to interest income over the lives of the related loans using the interest method. Amortization of net deferred loan fees is discontinued when a loan is placed on nonaccrual status.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;">&nbsp;</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">The recognition of income on a loan is discontinued and previously accrued interest is reversed, when interest or principal payments become <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">ninety</div> (<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">90</div>) days past due unless, in the opinion of management, the outstanding interest remains collectible. Past due status is determined based on contractual terms. Generally, by applying the cash receipts method, interest income is subsequently recognized only as received until the loan is returned to accrual status. The cash receipts method is used when the likelihood of further loss on the loan is remote. Otherwise, the Company applies the cost recovery method and applies all payments as a reduction of the unpaid principal balance until the loan qualifies for return to accrual status. Interest income on impaired loans is recognized using the cost recovery method, unless the likelihood of further loss on the loan is remote<div style="display: inline; letter-spacing: 0.25pt">. </div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">A loan is restored to accrual status when all principal and interest payments are brought current and the borrower has demonstrated the ability to make future payments of principal and interest as scheduled, which generally requires that the borrower demonstrate a period of performance of at least <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">six</div> consecutive months.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 27pt"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=""></div> <div style=" font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify"><div style="display: inline; letter-spacing: 0.25pt">For portfolio segments other than consumer loans, the Company&#x2019;s practice is to charge-off any loan or portion of a loan when the loan is determined by management to be uncollectible due to the borrower&#x2019;s failure to meet repayment terms, the borrower&#x2019;s deteriorating or deteriorated financial condition, the depreciation of the underlying collateral, the loan&#x2019;s classification as a loss by regulatory examiners, or for other reasons. A partial charge-off is recorded on a loan when the uncollectibility of a portion of the loan has been confirmed, such as when a loan is discharged in bankruptcy, the collateral is liquidated, a loan is restructured at a reduced principal balance, or other identifiable events that lead management to determine the full principal balance of the loan will <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> be repaid. A specific reserve is recognized as a component of the allowance for estimated losses on loans individually evaluated for impairment. Partial charge-offs on nonperforming and impaired loans are included in the Company&#x2019;s historical loss experience used to estimate the general component of the allowance for loan losses as discussed below. Specific reserves are <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> considered charge-offs in management&#x2019;s analysis of the allowance for loan losses because they are estimates and the outcome of the loan relationship is undetermined. At <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018, </div>the Company had <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">five</div> loans on which partial charge-offs in the aggregate of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$97,000</div> had been recorded.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"> </div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 27pt"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div></div> <div style="display: inline; letter-spacing: 0.25pt"> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">Consumer loans <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> secured by real estate are typically charged off at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">90</div> days past due, or earlier if deemed uncollectible, unless the loans are in the process of collection. Overdrafts are charged off after <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">45</div> days past due. Charge-offs are typically recorded on loans secured by real estate when the property is foreclosed upon.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">The allowance for loan losses reflects management&#x2019;s judgment of probable loan losses inherent in the loan portfolio at the balance sheet date. Additions to the allowance for loan losses are made by the provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">The Company uses a disciplined process and methodology to evaluate the allowance for loan losses on at least a quarterly basis that is based upon management&#x2019;s periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>affect the borrower&#x2019;s ability to repay, 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.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">The allowance consists of specific and general components. The specific component relates to loans that are individually evaluated for impairment or loans otherwise classified as doubtful, substandard, or special mention. For such loans that are also classified as impaired, an allowance is established when the underlying discounted collateral value (or present value of estimated future cash flows) of the impaired loan is lower than the carrying value of that loan.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 27pt"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 27pt"><div style="display: inline; letter-spacing: 0.25pt">The general component covers non-classified loans and classified loans that are found, upon individual evaluation, to <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> be impaired. Such loans are pooled by segment and losses are modeled using annualized historical loss experience adjusted for qualitative factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the prior <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">five</div> years. The Company&#x2019;s historical loss experience is then adjusted by an overall loss factor weighting adjustment based on a qualitative analysis prepared by management and reviewed on a quarterly basis. The overall loss factor considers changes in underwriting standards, economic conditions, changes and trends in past due and classified loans and other internal and external factors.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 27pt"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 27pt"><div style="display: inline; letter-spacing: 0.25pt">Management also applies additional loss factor multiples to loans classified as watch, special mention and substandard that are <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> individually evaluated for impairment. The loss factor multiples for classified loans are based on management&#x2019;s assessment of historical trends regarding losses experienced on classified loans in prior periods. See below for additional discussion of the qualitative factors utilized in management&#x2019;s allowance for loan loss methodology at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017.</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 27pt"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 27pt"><div style="display: inline; letter-spacing: 0.25pt">Management exercises significant judgment in evaluating the relevant historical loss experience and the qualitative factors. Management also monitors the differences between estimated and actual incurred loan losses for loans considered impaired in order to evaluate the effectiveness of the estimation process and make any changes in the methodology as necessary.</div></div> <div style=" font-size: 10pt; line-height: 9pt; text-align: justify; margin: 0pt 0 0pt 27pt"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 27pt"><div style="display: inline; letter-spacing: 0.25pt">Management utilizes the following portfolio segments in its analysis of the allowance for loan losses: residential real estate, land, construction, commercial real estate, commercial business, home equity and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">second</div> mortgage, and other consumer loans. Additional discussion of the portfolio segments and the risks associated with each segment can be found in the Company&#x2019;s Annual Report on Form <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10</div>-K for the year ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017.</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 27pt"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.4in"><div style="display: inline; letter-spacing: 0.25pt">A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#x2019;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis by either the present value of expected future cash flows discounted at the loan&#x2019;s effective interest rate, the loan&#x2019;s obtainable market price, or the fair value of the collateral if the loan is collateral dependent.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0.3in 0pt 0.4in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0.3in 0pt 0.4in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <!-- Field: Page; Sequence: 14; Value: 2 --> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0.3in 0pt 0.4in"><div style="display: inline; letter-spacing: 0.25pt">Values for collateral dependent loans are generally based on appraisals obtained from independent licensed real estate appraisers, with adjustments applied for estimated costs to sell the property, costs to complete unfinished or repair damaged property and other factors. New appraisals are generally obtained for all significant properties when a loan is identified as impaired, and a property is considered significant if the value of the property is estimated to exceed <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$200,000.</div> Subsequent appraisals are obtained as needed or if management believes there has been a significant change in the market value of the property. In instances where it is <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> deemed necessary to obtain a new appraisal, management bases its impairment and allowance for loan loss analysis on the original appraisal with adjustments for current conditions based on management&#x2019;s assessment of market factors and management&#x2019;s inspection of the property.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0.3in 0pt 0.4in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0.3in 0pt 0.4in"><div style="display: inline; letter-spacing: 0.25pt">At <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017, </div>the recorded investments in loans secured by residential real estate properties for which formal foreclosure proceedings are in process was <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$1.0</div> million and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$588,000,</div> respectively.</div></div> <div style=" font-size: 10pt; margin: 0pt 0.3in 0pt 0.4in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; margin: 0pt 0.3in 0pt 0.4in"><div style="display: inline; letter-spacing: 0.25pt">Loans at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017 </div>consisted of the following:</div></div> <div style=" font-size: 10pt; margin: 0pt 0.3in 0pt 0.4in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; margin: 0pt 0.3in 0pt 0.4in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-style: italic;">(In thousands)</div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">March 31,<br /> 2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">December 31,<br /> 2017</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left">Real estate mortgage loans:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 64%; font-size: 10pt; padding-left: 10pt">Residential</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">134,298</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">136,399</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,248</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,198</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Residential construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">31,207</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">28,854</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,471</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">100,133</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate contruction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13,261</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17,161</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt">Commercial business loans</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">33,186</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,114</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Consumer loans:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Home equity and second mortgage loans</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">49,423</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">49,802</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Automobile loans</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,809</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,361</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Loans secured by savings accounts</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,294</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,751</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Unsecured loans</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,553</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,744</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Other consumer loans</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,275</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,714</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Gross loans</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">429,025</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">437,231</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Less undisbursed portion of loans in process</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(19,155</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(25,020</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Principal loan balance</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">409,870</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">412,211</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Deferred loan origination fees, net</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,040</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,041</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Allowance for loan losses</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(3,631</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(3,634</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Loans, net</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">407,279</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">409,618</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; margin: 0pt 0.3in 0pt 0.4in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;"></div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt"><div style="display: inline; letter-spacing: 0.25pt">The following table provides the components of the Company&#x2019;s recorded investment in loans at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018:</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Residential<br /> Real Estate</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Land</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Construction</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Commercial<br /> Real Estate</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Commercial<br /> Business</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center"><div style=" margin-top: 0; margin-bottom: 0">Home Equity</div> <div style=" margin-top: 0; margin-bottom: 0">&amp;</div> <div style=" margin-top: 0; margin-bottom: 0">2nd Mtg</div></td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Other<br /> Consumer</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Total</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td style="font-size: 9pt; font-style: italic">&nbsp;</td> <td colspan="31" style="font-size: 9pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 9pt; font-weight: bold"><div style="display: inline; text-decoration: underline;">Recorded Investment in Loans:</div></td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 20%; font-size: 9pt; text-align: left">Principal loan balance</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">134,298</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,248</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,313</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,471</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">33,186</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">49,423</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,931</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">409,870</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left">Accrued interest receivable</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">494</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">72</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">48</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">221</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">98</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">185</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">190</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,308</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left; padding-bottom: 1pt">Net deferred loan origination fees and costs</td> <td style="font-size: 9pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">91</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">16</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(7</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">)</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(41</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">)</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">980</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,040</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left; padding-bottom: 2.25pt">Recorded investment in loans</td> <td style="font-size: 9pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">134,883</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,336</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,354</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,651</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">33,285</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,588</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">51,121</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">412,218</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt; font-weight: bold; text-align: left">Recorded Investment in Loans as Evaluated for Impairment:</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left; text-indent: -10pt; padding-left: 10pt">Individually evaluated for impairment</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,803</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">365</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">319</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">91</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,680</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt; text-align: left; text-indent: -10pt; padding-left: 10pt">Collectively evaluated for impairment</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">131,727</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,242</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,354</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,239</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">32,966</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,497</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">51,113</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">408,138</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left; padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt">Acquired with deteriorated credit quality</td> <td style="font-size: 9pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">353</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">47</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">400</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; padding-bottom: 2.25pt">Ending balance</td> <td style="font-size: 9pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">134,883</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,336</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,354</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,651</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">33,285</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,588</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">51,121</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">412,218</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <!-- Field: Page; Sequence: 16; Value: 2 --> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt"><div style="display: inline; letter-spacing: 0.25pt">The following table provides the components of the Company&#x2019;s recorded investment in loans at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017:</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Residential<br /> Real Estate</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Land</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Construction</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Commercial<br /> Real Estate</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Commercial<br /> Business</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Home Equity <br />&amp; <br />2nd Mtg</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Other<br /> Consumer</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Total</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td style="font-size: 9pt; font-style: italic">&nbsp;</td> <td colspan="31" style="font-size: 9pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 9pt; font-weight: bold; text-align: left"><div style="display: inline; text-decoration: underline;">Recorded Investment in Loans:</div></td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 20%; font-size: 9pt; text-align: left">Principal loan balance</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">136,399</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,198</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20,995</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">100,133</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,114</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">49,802</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,570</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">412,211</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left">Accrued interest receivable</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">474</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">49</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">249</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">87</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">189</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">223</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,365</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left">Net deferred loan origination</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt; text-align: left; padding-bottom: 1pt">fees and costs</td> <td style="font-size: 9pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">87</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(10</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">)</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(42</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">)</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">987</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,041</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt; text-align: left; padding-bottom: 2.25pt">Recorded investment in loans</td> <td style="font-size: 9pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">136,960</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,309</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,034</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">100,340</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,203</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,978</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,793</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">414,617</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt; font-weight: bold; text-align: left">Recorded Investment in Loans as Evaluated for Impairment:</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left; text-indent: -10pt; padding-left: 10pt">Individually evaluated for impairment</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,907</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">401</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">42</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">73</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,423</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt; text-align: left; text-indent: -10pt; padding-left: 10pt">Collectively evaluated for impairment</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">133,703</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,309</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,034</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">99,891</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,161</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,905</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,793</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">410,796</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left; text-indent: -10pt; padding-left: 10pt; padding-bottom: 1pt">Acquired with deteriorated credit quality</td> <td style="font-size: 9pt; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">350</div></td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">48</div></td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">398</div></td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; padding-bottom: 2.25pt">Ending balance</td> <td style="font-size: 9pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">136,960</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,309</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,034</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">100,340</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,203</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,978</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,793</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">414,617</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <!-- Field: Page; Sequence: 17; Value: 2 --> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">An analysis of the allowance for loan losses as of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>is as follows:</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Residential<br /> Real Estate</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Land</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Construction</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Commercial<br /> Real Estate</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Commercial<br /> Business</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style=" margin-top: 0; margin-bottom: 0">Home Equity</div> <div style=" margin-top: 0; margin-bottom: 0">&amp;</div> <div style=" margin-top: 0; margin-bottom: 0">2nd Mtg</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Other<br /> Consumer</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Total</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; font-style: italic"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="31" style="font-size: 10pt; font-style: italic; text-align: center"><div style="display: inline; font-size: 9pt">(In thousands)</div></td> </tr> <tr style="vertical-align: bottom"> <td colspan="9" style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">Ending allowance balance attributable to loans:</div></div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">&nbsp;</div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">&nbsp;</div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">&nbsp;</div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">&nbsp;</div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">&nbsp;</div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">&nbsp;</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 20%; font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt"><div style="display: inline; font-size: 9pt">Individually evaluated for impairment</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">101</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">117</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt"><div style="display: inline; font-size: 9pt">Collectively evaluated for impairment</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">200</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">156</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">291</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">1,520</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">273</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">667</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">407</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3,514</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt; text-indent: -10pt"><div style="display: inline; font-size: 9pt">Acquired with deteriorated credit quality</div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 2.25pt"><div style="display: inline; font-size: 9pt">Ending balance</div></td> <td style="font-size: 10pt; padding-bottom: 2.25pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">301</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">156</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">291</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">1,520</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">276</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">680</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">407</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3,631</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">An analysis of the allowance for loan losses as of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017 </div>is as follows:</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Residential<br /> Real Estate</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Land</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Construction</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial<br /> Real Estate</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial<br /> Business</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style=" margin-top: 0; margin-bottom: 0">Home Equity</div> <div style=" margin-top: 0; margin-bottom: 0">&amp;</div> <div style=" margin-top: 0; margin-bottom: 0">2nd Mtg</div></td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Other<br /> Consumer</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="31" style="font-size: 10pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td colspan="9" style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Ending allowance balance attributable to loans:</div></div></td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 20%; font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for<br /> impairment</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">35</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Collectively evaluated for<br /> impairment</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">182</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">133</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">245</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,622</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">287</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">697</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">414</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,580</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt; text-indent: -10pt">Acquired with deteriorated<br /> credit quality</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 2.25pt">Ending balance</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">219</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">133</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">245</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,622</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">291</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">710</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">414</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,634</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;">&nbsp;</div></div></div><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">An analysis of the changes in the allowance for loan losses for the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>is as follows:</div></div> <div style=" font-size: 10pt; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Residential<br /> Real Estate</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Land</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Construction</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Commercial<br /> Real Estate</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Commercial<br /> Business</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 9pt">Home Equity</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 9pt">&amp;</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 9pt">2nd Mtg</div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Other<br /> Consumer</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Total</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; font-style: italic"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="31" style="font-size: 10pt; font-style: italic; text-align: center"><div style="display: inline; font-size: 9pt">(In thousands)</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">Allowance for loan losses:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 20%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">Beginning balance</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">219</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">133</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">245</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">1,622</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">291</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">710</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">414</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3,634</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">Provisions for loan losses</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">139</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">23</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">46</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(110</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(15</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(33</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">147</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">197</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">Charge-offs</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(60</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(1</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(196</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(257</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 9pt">Recoveries</div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">8</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">1</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">42</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">57</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 2.25pt"><div style="display: inline; font-size: 9pt">Ending balance</div></td> <td style="font-size: 10pt; padding-bottom: 2.25pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">301</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">156</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">291</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">1,520</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">276</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">680</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">407</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3,631</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> </table> </div> <div style=" font-size: 10pt; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">An analysis of the changes in the allowance for loan losses for the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2017 </div>is as follows:</div></div> <div style=" font-size: 10pt; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Residential<br /> Real Estate</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Land</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Construction</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Commercial<br /> Real Estate</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Commercial<br /> Business</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 9pt">Home Equity</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 9pt">&amp;<br /></div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 9pt"></div>2nd Mtg</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Other<br /> Consumer</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Total</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; font-style: italic"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="31" style="font-size: 10pt; font-style: italic; text-align: center"><div style="display: inline; font-size: 9pt">(In thousands)</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">Allowance for loan losses:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 20%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">Beginning balance</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">380</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">56</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">80</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">1,670</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">198</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">683</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">319</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3,386</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">Provisions for loan losses</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(85</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">53</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">143</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(128</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">85</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">14</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">129</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">211</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">Charge-offs</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(40</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(1</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(43</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(204</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(288</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 9pt">Recoveries</div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">16</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">44</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">4</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">1</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">44</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">109</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 2.25pt"><div style="display: inline; font-size: 9pt">Ending balance</div></td> <td style="font-size: 10pt; padding-bottom: 2.25pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">271</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">109</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">223</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">1,585</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">244</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">698</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">288</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3,418</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> </table> </div> <div style=" font-size: 10pt; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <!-- Field: Page; Sequence: 19; Value: 2 --> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0.5in 0pt 58.5pt"><div style="display: inline; letter-spacing: 0.25pt">At <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017, </div>management applied specific qualitative factor adjustments to various portfolio segments as they determined that the historical loss experience was <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> indicative of the level of risk in the remaining balance of those portfolio segments. These adjustments increased the loss factors by <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">0.15%</div> to <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20%</div> for certain loan groups, and increased the estimated allowance for loan losses related to those portfolio segments by approximately <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$2.3</div> million and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$2.1</div> million at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017, </div>respectively. These changes were made to reflect management&#x2019;s estimates of inherent losses in these portfolio segments at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017.</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0.5in 0pt 58.5pt"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0.5in 0pt 0.8in"><div style="display: inline; letter-spacing: 0.25pt">At <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017, </div>for each loan portfolio segment, management applied an overall qualitative factor of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1.18</div> to the Company&#x2019;s historical loss factors. The overall qualitative factor is derived from management&#x2019;s analysis of changes and trends in the following qualitative factors: underwriting standards, economic conditions, past due loans and other internal and external factors. Each of the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">four</div> factors above was assigned an equal weight to arrive at an average for the overall qualitative factor of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1.18</div> at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017. </div>The effect of the overall qualitative factor was to increase the estimated allowance for loan losses by <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$534,000</div> and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$536,000</div> at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017, </div>respectively. Additional discussion of the overall qualitative factor can be found in the Company&#x2019;s Annual Report on Form <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10</div>-K for the year ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017. </div>There were <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> changes in management&#x2019;s assessment of the overall qualitative factor components from <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017 </div>to <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018. </div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0.5in 0pt 1in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0.5in 0pt 0.8in"><div style="display: inline; letter-spacing: 0.25pt">Management also adjusts the historical loss factors for loans classified as watch, special mention and substandard that are <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> individually evaluated for impairment. The adjustments consider the increased likelihood of loss on classified loans based on the Company&#x2019;s separate historical experience for classified loans. The effect of the adjustments for classified loans was to increase the estimated allowance for loan losses by <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$515,000</div> and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$506,000</div> at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017, </div>respectively. These factors were <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> adjusted during the period from <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017 </div>to <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018.</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0.5in 0pt 0.8in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">The following table summarizes the Company&#x2019;s impaired loans as of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and for the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2017.</div> The Company did <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> recognize any interest income on impaired loans using the cash receipts method of accounting for the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> month periods ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2017:</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">At March 31, 2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="7" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Three Months Ended March 31, 2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="7" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Three Months Ended March 31, 2017</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Recorded<br /> Investment</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Unpaid<br /> Principal<br /> Balance</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Related<br /> Allowance</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Average<br /> Recorded<br /> Investment</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Interest<br /> Income<br /> Recognized</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Average<br /> Recorded<br /> Investment</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Interest<br /> Income<br /> Recognized</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="27" style="font-size: 10pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline; text-align: left">Loans with no related allowance recorded:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="text-align: right">&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 23%; font-size: 10pt; text-align: left; padding-left: 10pt">Residential</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,525</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,760</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,610</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,010</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">47</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">365</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">363</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">383</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,150</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">291</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">292</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">152</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">74</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">78</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">86</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">230</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Other consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,361</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,604</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,265</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">16</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,470</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline; text-align: left">Loans with an allowance recorded:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="text-align: right">&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Residential</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">278</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">285</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">101</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">245</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">150</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">28</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">30</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">29</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">59</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Other consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">319</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">328</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">117</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">287</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">240</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline">Total:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Residential</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,803</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,045</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">101</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,855</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,160</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">47</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">365</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">363</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">383</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,150</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">319</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">322</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">181</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">133</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">91</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">99</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">82</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">243</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Other consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">24</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,680</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,932</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">117</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,552</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">16</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,710</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">The following table summarizes the Company&#x2019;s impaired loans as of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017:</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center; padding-left: 10pt">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;<br /> Recorded<br /> Investment</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Unpaid<br /> Principal<br /> Balance</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;<br /> Related<br /> Allowance</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="11" style="font-size: 10pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td colspan="5" style="font-size: 10pt; font-weight: bold"><div style="display: inline; text-decoration: underline;">Loans with no related allowance recorded:</div></td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 46%; font-size: 10pt; text-align: left; padding-left: 10pt">Residential</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,695</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,948</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">401</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">535</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">60</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">68</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Other consumer</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,168</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,563</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline; text-align: left; padding-left: 0pt">Loans with an allowance recorded:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="text-align: right">&nbsp;</td> <td style="text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Residential</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">212</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">218</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">35</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">30</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">30</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Other consumer</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">255</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">261</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline; padding-left: 0pt">Total:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Residential</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,907</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,166</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">35</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">401</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">535</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">42</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">42</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">73</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">81</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Other consumer</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 10pt">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,423</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,824</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">Nonperforming loans consists of nonaccrual loans and loans over <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">90</div> days past due and still accruing interest. The following table presents the recorded investment in nonperforming loans at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017:</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">March 31, 2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">December 31, 2017</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: center">&nbsp;<br /><div style="display: inline; font-weight: bold;">Nonaccrual<br /> Loans</div></td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Loans 90+ Days<br /> Past Due<br /> Still Accruing</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total<br /> Nonperforming<br /> Loans</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">Nonaccrual<br /> Loans</div></td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Loans 90+ Days<br /> Past Due<br /> Still Accruing</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total<br /> Nonperforming<br /> Loans</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="23" style="font-size: 10pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 22%; font-size: 10pt">Residential</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,262</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">100</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,362</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,298</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">109</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,407</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">104</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">104</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">66</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">205</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">42</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">59</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">101</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">76</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">76</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">57</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">57</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Other consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">28</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">28</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 2.25pt; padding-left: 10pt">Total</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,675</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">179</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,854</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,536</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">291</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,827</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">The following table presents the aging of the recorded investment in loans at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018:</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> &nbsp;</div></td> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> &nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> 30-59 Days<br /> Past Due</div></td> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> &nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> 60-89 Days<br /> Past Due</div></td> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> &nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> 90 Days or More<br /> Past Due</div></td> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> &nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> Total<br /> Past Due</div></td> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> &nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> Current</div></td> <td style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> &nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-weight: bold;">Purchased<br /> Credit<br /> Impaired Loans</div></td> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> &nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> Total<br /> Loans</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="27" style="font-size: 10pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 10%; font-size: 10pt">Residential</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,108</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">155</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,473</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,736</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">130,794</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">353</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">134,883</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">381</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">475</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20,861</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,336</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,354</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,354</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">233</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">104</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">337</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,267</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">47</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,651</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">156</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">124</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">280</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">33,005</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">33,285</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">152</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">166</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,422</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,588</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Other consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">249</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">277</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,844</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">51,121</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 2.25pt; padding-left: 10pt">Total</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,046</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">404</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,821</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,271</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">406,547</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">400</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">412,218</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;">&nbsp;</div></div></div> <!-- Field: Page; Sequence: 23; Value: 2 --> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">The following table presents the aging of the recorded investment in loans at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017:</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">30-59 Days<br /> Past Due</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">60-89 Days<br /> Past Due</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">90 Days or More<br /> Past Due</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total<br /> Past Due</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Current</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Purchased<br /> Credit<br /> Impaired Loans</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total<br /> Loans</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="27" style="font-size: 10pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 10%; font-size: 10pt">Residential</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,612</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">338</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,255</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,205</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">132,405</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">350</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">136,960</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">186</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">281</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,028</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,309</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,034</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,034</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">379</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">518</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">99,774</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">48</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">100,340</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">46</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">49</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">102</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">197</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,006</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,203</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">468</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">27</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">508</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,470</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,978</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Other consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">420</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">37</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">28</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">485</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,308</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,793</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 2.25pt; padding-left: 10pt">Total</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,111</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">451</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,632</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,194</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">408,025</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">398</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">414,617</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, public information, historical payment experience, credit documentation, and current economic trends, among other factors. The Company classifies loans based on credit risk at least quarterly. The Company uses the following regulatory definitions for risk ratings:</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-style: italic;">Special Mention:</div> Loans classified as special mention have a potential weakness that deserves management&#x2019;s close attention. If left uncorrected, these potential weaknesses <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>result in deterioration of the repayment prospects for the loan or of the institution&#x2019;s credit position at some future date.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-style: italic;">Substandard:</div> Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> corrected.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-style: italic;">Doubtful:</div> Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-style: italic;">Loss:</div> Loans classified as loss are considered uncollectible and of such little value that their continuance on the institution&#x2019;s books as an asset is <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> warranted.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">Loans <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> meeting the criteria above that are analyzed individually as part of the described process are considered to be pass rated loans.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;">&nbsp;</div></div></div><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">The following table presents the recorded investment in loans by risk category as of the date indicated:</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Residential<br /> Real Estate</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Land</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Construction</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial<br /> Real Estate</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial<br /> Business</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style=" margin-top: 0; margin-bottom: 0">Home Equity</div> <div style=" margin-top: 0; margin-bottom: 0">&amp;<br /> 2nd Mtg</div></td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Other<br /> Consumer</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="31" style="font-size: 10pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; text-decoration: underline;">March 31, 2018</div></td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 20%; font-size: 10pt">Pass</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">131,433</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,109</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,125</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">92,367</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">32,287</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,510</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,966</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">403,797</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Special Mention</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">395</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">83</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">229</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,347</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">786</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">152</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,992</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">Substandard</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">778</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,833</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">73</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,739</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">Doubtful</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,277</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">104</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">76</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,690</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 1pt">Loss</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 2.25pt">Total</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">134,883</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,336</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,354</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,651</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">33,285</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,588</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">51,121</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">412,218</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline">December 31, 2017</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">Pass</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">133,618</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,003</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20,173</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">97,219</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">33,245</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,919</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,629</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">405,806</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Special Mention</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">348</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">157</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">861</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,362</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">734</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">161</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,623</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">Substandard</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">684</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">149</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,620</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">182</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,640</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">Doubtful</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,310</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">42</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">57</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,548</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 1pt">Loss</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 2.25pt">Total</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">136,960</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,309</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,034</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">100,340</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,203</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,978</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,793</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">414,617</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 49.5pt"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">The following table summarizes the Company&#x2019;s troubled debt restructurings (TDRs) by accrual status as of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017:</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="15" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">March 31, 2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="15" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">December 31, 2017</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Accruing</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Nonaccrual</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Related Allowance<br /> for Loan Losses</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Accruing</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Nonaccrual</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Related Allowance<br /> for Loan Losses</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="31" style="font-size: 10pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold">Troubled debt restructurings:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 20%; font-size: 10pt; text-align: left; padding-left: 10pt">Residential real estate</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">484</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">106</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">590</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">487</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">106</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">593</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">354</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">354</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">356</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">356</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">179</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">179</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Home equity and 2nd mortgage</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 2.25pt; padding-left: 10pt">Total</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,032</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">106</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,138</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">858</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">106</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">964</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">At <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017, </div>there were <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> commitments to lend additional funds to debtors whose loan terms have been modified in a TDR.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">The following table summarizes information in regard to TDRs that were restructured during the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018:</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Three months ended March 31, 2018</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: center">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;<br /> Number of<br /> Contracts</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Pre-Modifcation<br /> Outstanding<br /> Balance</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Post-Modifcation<br /> Outstanding<br /> Balance</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="11" style="font-size: 10pt; font-style: italic; text-align: center">(Dollars in thousands)</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Troubled debt restructurings:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 55%; font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Commercial Business</td> <td style="width: 1%; font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 12%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">179</div></td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">179</div></td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 2.25pt; padding-left: 10pt">Total</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">179</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">179</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">For the TDR listed above, the terms of modification included the deferral of contractual principal payments. There were <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> TDRs that were restructured during the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2017. </div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">There were <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> principal charge-offs recorded as a result of TDRs and there was <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> specific allowance for loan losses related to TDRs modified during the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>or <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2017.</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">There were <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> TDRs modified within the previous <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12</div> months for which there was a subsequent payment default (defined as the loan becoming more than <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">90</div> days past due, being moved to nonaccrual status, or the collateral being foreclosed upon) during the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2017.</div> In the event that a TDR subsequently defaults, the Company evaluates the restructuring for possible impairment. As a result, the related allowance for loan losses <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>be increased or charge-offs <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>be taken to reduce the carrying amount of the loan.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-style: italic;">Purchased Credit Impaired (PCI) Loans</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">Purchased loans acquired in a business combination are recorded at estimated fair value on their purchase date with <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> carryover of the related allowance for loan and lease losses. Such loans are accounted for individually or aggregated into pools of loans based on common risk characteristics such as credit score, loan type and date of origination. In determining the estimated fair value of purchased loans or pools, management considers a number of factors including the remaining life, estimated prepayments, estimated loss ratios, estimated value of the underlying collateral, and net present value of cash flows expected to be received, among others. Purchased loans that have evidence of credit deterioration since origination for which it is deemed probable at the date of acquisition that the acquirer will <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> collect all contractually required principal and interest payments are accounted for in accordance with Financial Accounting Standards Board (&#x201c;FASB&#x201d;) Accounting Standards Codification (&#x201c;ASC&#x201d;) <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">310</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">30.</div> The difference between contractually required payments and the cash flows expected to be collected at acquisition is referred to as the nonaccretable difference. The difference between the expected cash flows and the fair value at acquisition is recorded as interest income over the remaining life of the loan or pool of loans and is referred to as the accretable yield. Subsequent decreases to the expected cash flows will generally result in a provision for loan losses. Subsequent increases in expected cash flows will result in a reversal of the provision for loan losses to the extent of prior charges and then an adjustment to accretable yield, which is recognized as future interest income.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">The following table presents the carrying amount of PCI loans accounted for under ASC <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">310</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">30</div> at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017:</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt"><div style="display: inline; font-weight: bold;">&nbsp;</div><br /><div style="display: inline; font-style: italic;">(In thousands)</div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">March 31,<br /> 2018</td> <td style="font-size: 10pt; font-weight: bold; font-style: normal; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; font-style: normal; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-weight: bold;">December 31<div style="display: inline; font-size: 10pt; font-style: normal">,</div></div><br /> 2017</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 70%; font-size: 10pt; text-align: left">Residential real estate</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">353</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">350</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Commercial real estate</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">47</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">48</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Carrying amount</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">400</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">398</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Allowance for loan losses</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">0</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt">Carrying amount, net of allowance</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; font-weight: normal; font-style: normal; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">400</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; font-weight: normal; font-style: normal; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">396</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; font-weight: normal; font-style: normal; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"></div> <div style=" font-size: 10pt; margin: 0pt 0"><div style="display: inline; text-underline-style: double; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">The outstanding balance of PCI loans accounted for under ASC <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">310</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">30,</div> including contractual principal, interest, fees and penalties was <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$617,000</div> and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$625,000</div> at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017, </div>respectively.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">There was <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> allowance for loan losses related to PCI loans at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018. </div>The allowance for loan losses related to PCI loans was <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$2,000</div> at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017. </div>There was a <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$2,000</div> reduction of the allowance for loan losses related to PCI loans for the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div>-month period ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018. </div>There were <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> net provisions for loan losses related to PCI loans for the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div>-month period ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2017.</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <!-- Field: Page; Sequence: 27; Value: 2 --> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">Accretable yield, or income expected to be collected, is as follows for the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> month periods ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2017:</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2017</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: center">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: center">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 64%; font-size: 10pt">Balance at beginning of period</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">470</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">252</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">New loans purchased</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Accretion to income</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(14</div></td> <td style="font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(14</div></td> <td style="font-size: 10pt; text-align: left">)</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Disposals and other adjustments</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Reclassification from nonaccretable difference</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 2.25pt; padding-left: 10pt">Balance at end of period</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">459</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">244</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div></div></div> 407279000 402059000 402059000 409618000 404931000 404931000 2141000 2630000 <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic;">(In thousands)</div></td> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Amortized<br /> Cost</td> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Gross<br /> Unrealized<br /> Gains</td> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Gross<br /> Unrealized<br /> Losses</td> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Fair<br /> Value</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"><div style="display: inline; text-decoration: underline;">March 31, 2018</div></td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left">Securities available for sale:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; font-size: 10pt; text-align: left; padding-left: 10pt">Agency mortgage-backed securities</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">111,090</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,345</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">106,745</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency CMO</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,720</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">471</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,249</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Other debt securities:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Agency notes and bonds</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">70,495</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,447</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69,048</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Municipal obligations</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">71,198</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">743</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,140</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">70,801</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 20pt">Total securities available for sale</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">271,503</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">743</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,403</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">264,843</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline; text-align: left">December 31, 2017</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: right">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: right">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: right">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: right">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Securities available for sale:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency mortgage-backed securities</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">114,902</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,253</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">112,649</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency CMO</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,660</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">338</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,323</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Other debt securities:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Agency notes and bonds</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">70,013</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">985</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69,028</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Municipal obligations</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">73,303</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,274</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">405</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">74,172</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 20pt">Total securities available for sale</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">273,878</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,275</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,981</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">271,172</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Securities held to maturity:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Agency mortgage-backed securities</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 20pt">Total securities held to maturity</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div> 115000 112000 1000000 588000 6237000 16308000 3975000 -19311000 3358000 4825000 2133000 1553000 3000 3000 <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; min-width: 700px;"> <tr style="vertical-align: top"> <td style="width: 0.5in"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10.</div></div></div></td> <td style="text-align: justify"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;">Recent Accounting Pronouncements</div></div></td> </tr> </table> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;">&nbsp;</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">The following are summaries of recently issued or adopted accounting pronouncements that impact the accounting and reporting practices of the Company:</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 35pt"><div style="display: inline; letter-spacing: 0.25pt">In <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> May 2014, </div>the FASB issued ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">No.</div> <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2014</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">09,</div> <div style="display: inline; font-style: italic;">Revenue from Contracts with Customers (Topic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">606</div>)</div>. The update provides a <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">five</div>-step revenue recognition model for all revenue arising from contracts with customers and affects all entities that enter into contracts to provide goods or services to their customers (unless the contracts are included in the scope of other standards). The guidance requires an entity to recognize the revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods and services. For public entities, the guidance was originally to be effective for annual reporting periods beginning after <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 15, 2016, </div>including interim periods within that reporting period. However, with the issuance of ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">No.</div> <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2015</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14</div> in <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> August 2015, </div>the FASB deferred the effective date of ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">No.</div> <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2014</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">09</div> by <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">one</div> year for all entities, making the amendments effective for public entities for annual reporting periods beginning after <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 15, 2017, </div>including interim periods within those reporting periods. The adoption of this update as of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> January 1, 2018 </div>did <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> have a material impact on the Company&#x2019;s consolidated financial position or results of operations. See Note <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9</div> for further discussion.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 35pt"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">In <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> January 2016, </div>the FASB issued ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">No.</div> <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2016</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">01,</div> <div style="display: inline; font-style: italic;">Financial Instruments &#x2013; Overall (Subtopic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">825</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10</div>) &#x2013; Recognition and Measurement of Financial Assets and Financial Liabilities</div>. The guidance addresses certain aspects of recognition, measurement, presentation and disclosure of financial instruments. In particular, the guidance revises an entity&#x2019;s accounting related to (<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div>) the classification and measurement of investments in equity securities and (<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div>) the presentation of certain fair value changes for financial liabilities measured at fair value. The guidance also amends certain disclosure requirements associated with fair value of financial instruments. For public business entities, the guidance is effective for fiscal years beginning after <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 15, 2017, </div>including interim periods within those fiscal years. Entities should apply the amendments by means of a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. The adoption of this update as of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> January 1, 2018 </div>did <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> have a material impact on the Company&#x2019;s consolidated financial position or results of operations.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 35pt"><div style="display: inline; letter-spacing: 0.25pt">In <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> February 2016, </div>the FASB issued ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">No.</div> <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2016</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">02,</div> <div style="display: inline; font-style: italic;">Leases (Topic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">842</div>)</div>. The guidance supersedes existing guidance on accounting for leases with the main difference being that operating leases are to be recorded in the statement of financial position as right-of-use assets and lease liabilities, initially measured at the present value of the lease payments. For operating leases with a term of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12</div> months or less, a lessee is permitted to make an accounting policy election <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> to recognize lease assets and liabilities. For public business entities, the guidance is effective for fiscal years beginning after <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 15, 2018, </div>including interim periods within those fiscal years. Early application of the guidance is permitted. In transition, entities are required to recognize and measure leases at the beginning of the earliest period presented using a modified retrospective approach. Management is evaluating the new guidance, but does <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> expect the adoption of this update to have a material impact on the Company&#x2019;s consolidated financial position or results of operations.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 35pt"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div><div style=" font-size: 10pt; line-height: 9pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 35.3pt; color: #252525"><div style="display: inline; letter-spacing: 0.25pt">In <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> June 2016, </div>the FASB issued ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">No.</div> <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2016</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13,</div> <div style="display: inline; font-style: italic;">Financial Instruments &#x2013; Credit Losses (Topic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">326</div>)</div>. The update replaces the incurred loss methodology for recognizing credit losses under current GAAP with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. Under the new guidance, an entity will measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable and supportable forecasts. The expected loss model will apply to loans and leases, unfunded lending commitments, held-to-maturity debt securities and other debt instruments measured at amortized cost. The impairment model for available-for-sale debt securities will require the recognition of credit losses through a valuation allowance when fair value is less than amortized cost, regardless of whether the impairment is considered to be other-than-temporary. For the Company, the amendments in the update are effective for fiscal years beginning after <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 15, 2019, </div>including interim periods within those fiscal years. Early adoption is permitted as of fiscal years beginning after <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 15, 2018, </div>including interim periods within those fiscal years. The Company is currently assessing the impact the guidance will have upon adoption, but management expects to recognize a <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">one</div>-time cumulative-effect adjustment to the allowance for loan losses as of the beginning of the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">first</div> reporting period in which the new standard is effective. In planning for the implementation of ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2016</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13,</div> the Company has formed a current expected credit loss (&#x201c;CECL&#x201d;) implementation team consisting of members of senior management that meets on a periodic basis and is currently evaluating software solutions, data requirements and loss methodologies.</div></div> <div style=" font-size: 10pt; line-height: 9pt; text-align: justify; margin: 0pt 0 0pt 0.5in; color: #252525"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 35.3pt; color: #252525"><div style="display: inline; letter-spacing: 0.25pt">In <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> August 2016, </div>the FASB issued ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">No.</div> <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2016</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,</div> <div style="display: inline; font-style: italic;">Statement of Cash Flows (Topic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">230</div>) &#x2013; Classification of Certain Cash Receipts and Cash Payments</div>. The update addresses <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">eight</div> specific cash flow issues with the objective of reducing diversity in practice in how certain cash receipts and cash payments are presented and classified in the statement of cash flows. The amendments in the update are effective for public business entities for fiscal years beginning after <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 15, 2017, </div>and interim periods within those fiscal years. Early adoption is permitted, including adoption in an interim period. If an entity adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period, and all amendments must be adopted in the same period. The adoption of this update is <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> expected to have a material impact on the Company&#x2019;s consolidated financial position or results of operations.</div></div> <div style=" font-size: 10pt; line-height: 9pt; text-align: justify; margin: 0pt 0 0pt 0.5in; color: #252525"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 35.3pt; color: #252525"><div style="display: inline; letter-spacing: 0.25pt">In <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 2017, </div>the FASB issued ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">No.</div> <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2017</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">08,</div> <div style="display: inline; font-style: italic;">Receivables &#x2013; Nonrefundable Fees and Other Costs (Subtopic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">310</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20</div>) &#x2013; Premium Amortization on Purchased Callable Debt Securities</div>. The update shortens the amortization period for certain callable debt securities held at a premium. Specifically, the update requires the premium to be amortized to the earliest call date. The update does <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. The amendments in the update are effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 15, 2018. </div>Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity should apply the amendments in this update on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosures about a change in accounting principle. The adoption of this update is <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> expected to have a material impact on the Company&#x2019;s consolidated financial position or results of operations.</div></div></div> 139111000 129828000 5254000 5155000 1526000 1453000 45000 40000 413000 381000 2497000 2071000 <div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1.</div>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Presentation of Interim Information</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">First Capital, Inc. (&#x201c;Company&#x201d;) is the savings and loan holding company for First Harrison Bank (&#x201c;Bank&#x201d;), a federal savings bank and wholly-owned subsidiary. First Harrison Investments, Inc. and First Harrison Holdings, Inc. are wholly-owned Nevada corporate subsidiaries of the Bank that jointly own First Harrison, LLC, a Nevada limited liability corporation that holds and manages an investment portfolio. First Harrison REIT, Inc. (&#x201c;REIT&#x201d;) is a wholly-owned subsidiary of First Harrison Holdings, Inc. that holds a portion of the Bank&#x2019;s real estate mortgage loan portfolio. FHB Risk Mitigation Services, Inc. (&#x201c;Captive&#x201d;) is a wholly-owned insurance subsidiary of the Company that provides property and casualty insurance coverage to the Company, the Bank and the Bank&#x2019;s subsidiaries, and reinsurance to <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">ten</div> other <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">third</div> party insurance captives for which insurance <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> be currently available or economically feasible in the insurance marketplace. Heritage Hill, LLC is a wholly-owned subsidiary of the Bank that holds and manages certain foreclosed real estate properties. </div></div> <div style=" font-size: 10pt; line-height: 9pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">On <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September&nbsp;</div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20,</div> <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2017,</div> the Bank filed applications with the Indiana Department of Financial Institutions (&#x201c;IDFI&#x201d;) and the Federal Deposit Insurance Corporation (&#x201c;FDIC&#x201d;) to convert from a federal savings association into an Indiana chartered commercial bank (the &#x201c;Conversion&#x201d;). The Conversion has been approved by both the IDFI and FDIC. After the conversion, expected to be completed in <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> June 2018, </div>the IDFI will become the Bank&#x2019;s primary regulator and the FDIC will become the Bank&#x2019;s primary federal regulator. The Conversion is <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> expected to affect the Bank&#x2019;s clients in any way and will <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> affect FDIC deposit insurance on eligible accounts.</div> <div style=" font-size: 10pt; margin: 0pt 0">&nbsp;</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">Additionally, in connection with the Conversion, the Company filed an application with the Federal Reserve Bank of St. Louis to change from a savings and loan holding company to a financial holding company. The Company has received the approval of the Federal Reserve Bank of St. Louis, and this change is expected to happen simultaneously with the Conversion discussed above.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">In the opinion of management, the unaudited consolidated financial statements include all adjustments considered necessary to present fairly the financial position as of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018, </div>and the results of operations for the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2017</div> and the cash flows for the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2017.</div> All of these adjustments are of a normal, recurring nature. Such adjustments are the only adjustments included in the unaudited consolidated financial statements. Interim results are <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> necessarily indicative of results for a full year or any other period.</div></div> <div style=" font-size: 10pt; line-height: 9pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">The accompanying unaudited consolidated financial statements and notes have been prepared in accordance with U.S. generally accepted accounting principles (&#x201c;GAAP&#x201d;) for interim financial statements and are presented as permitted by the instructions to Form <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10</div>-Q. Accordingly, they do <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> contain certain information included in the Company&#x2019;s annual audited consolidated financial statements and related footnotes for the year ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2017 </div>included in the Company&#x2019;s Annual Report on Form <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10</div>-K.</div></div> <div style=" font-size: 10pt; line-height: 9pt; text-align: justify; margin: 0pt 0"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">The unaudited consolidated financial statements include the accounts of the Company and its subsidiaries. All material intercompany balances and transactions have been eliminated in consolidation. Certain prior period amounts have been reclassified to conform with the current period presentation. The reclassifications had <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> effect on net income or stockholders&#x2019; equity.</div></div></div> 6443000 1824000 -4015000 753000 -3016000 465000 -999000 288000 465000 465000 -3017000 -3017000 1000 1000 819000 832000 <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> &nbsp;</div></td> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> &nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> 30-59 Days<br /> Past Due</div></td> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> &nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> 60-89 Days<br /> Past Due</div></td> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> &nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> 90 Days or More<br /> Past Due</div></td> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> &nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> Total<br /> Past Due</div></td> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> &nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> Current</div></td> <td style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> &nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-weight: bold;">Purchased<br /> Credit<br /> Impaired Loans</div></td> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> &nbsp;<br /> &nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;<br /> Total<br /> Loans</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="27" style="font-size: 10pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 10%; font-size: 10pt">Residential</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,108</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">155</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,473</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,736</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">130,794</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">353</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">134,883</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">381</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">475</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20,861</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,336</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,354</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,354</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">233</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">104</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">337</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,267</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">47</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,651</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">156</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">124</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">280</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">33,005</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">33,285</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">152</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">166</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,422</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,588</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Other consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">249</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">277</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,844</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">51,121</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 2.25pt; padding-left: 10pt">Total</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,046</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">404</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,821</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,271</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">406,547</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">400</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">412,218</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div><div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">30-59 Days<br /> Past Due</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">60-89 Days<br /> Past Due</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">90 Days or More<br /> Past Due</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total<br /> Past Due</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Current</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Purchased<br /> Credit<br /> Impaired Loans</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total<br /> Loans</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="27" style="font-size: 10pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 10%; font-size: 10pt">Residential</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,612</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">338</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,255</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,205</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">132,405</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">350</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">136,960</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">186</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">281</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,028</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,309</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,034</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,034</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">379</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">518</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">99,774</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">48</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">100,340</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">46</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">49</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">102</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">197</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,006</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,203</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">468</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">27</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">508</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,470</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,978</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Other consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">420</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">37</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">28</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">485</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,308</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,793</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 2.25pt; padding-left: 10pt">Total</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,111</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">451</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,632</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,194</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">408,025</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">398</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">414,617</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div> 15818000 10552000 -2176000 4304000 -1239000 -1445000 772000 701000 6326000 22815000 1000000 50000 371000 0.01 0.01 1000000 1000000 0 0 520000 850000 6295000 5936000 -245000 1458000 0 99000 193000 82000 178000 163000 2136000 1556000 1553000 3000 2133000 3000 14806000 15031000 65000 2000 197000 211000 139000 23000 46000 -110000 -15000 -33000 147000 -85000 53000 143000 -128000 85000 14000 129000 3500000 3809000 3971000 10000000 53333000 51972000 1109000 1001000 88000 114000 1197000 1115000 <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; min-width: 700px;"> <tr style="vertical-align: top"> <td style="width: 0"></td> <td style="width: 0.5in"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9.</div></div></div></td> <td style="text-align: justify"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;">Revenue from Contracts with Customers</div></div></td> </tr> </table> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;">&nbsp;</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">As of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> January 1, 2018, </div>the Company adopted Accounting Standards Update (&#x201c;ASU&#x201d;) <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">No.</div> <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2014</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">09,</div> <div style="display: inline; font-style: italic;">Revenue from Contracts with Customers (Topic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">606</div>),</div> using the modified retrospective approach. The adoption of the ASU had <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> material impact on the measurement or recognition of revenue; however, additional disclosures have been added in accordance with the ASU. See Note <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10</div> for additional information on this new accounting standard.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">All of the Company&#x2019;s revenue from contracts with customers in the scope of FASB ASC <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">606</div> is recognized within noninterest income. The following table presents the Company&#x2019;s sources of noninterest income for the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 31, 2018 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2017:</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: justify">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2017</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: justify">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: justify">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: justify">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 64%; font-size: 10pt; text-align: justify">Service charges on deposit accounts</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,109</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,001</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify; padding-bottom: 1pt">Investment advisory income</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">88</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">114</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: justify; padding-bottom: 1pt; padding-left: 10pt">Revenue from contracts with customers</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,197</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,115</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: justify">Gain on sale of loans and securities</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">241</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">257</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify">Increase in cash value of life insurance</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">43</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">41</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: justify; padding-bottom: 1pt">Other</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">45</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">40</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify; padding-bottom: 1pt; padding-left: 10pt">Other noninterest income</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">329</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">338</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: justify">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify; padding-bottom: 2.25pt; padding-left: 10pt">Total noninterest income</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,526</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,453</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.75in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">A description of the Company&#x2019;s revenue streams accounted for under FASB ASC <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">606</div> follows:</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic;">Service Charges on Deposit Accounts</div></div>: The Company earns fees from its deposit customers for transaction-based, account maintenance, and overdraft services. Transaction-based fees, which include services such as ATM use fees, stop payment charges, statement rendering, and ACH fees, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the customer's request. Account maintenance fees, which relate primarily to monthly maintenance, are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Overdraft fees are recognized at the point in time that the overdraft occurs. Service charges on deposits are withdrawn from the customer's account balance.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic;">Interchange Income</div></div>: The Company earns interchange fees from debit cardholder transactions conducted through a payment network. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder. Interchange income is included in service charges on deposit accounts.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt">&nbsp;</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; letter-spacing: 0.25pt"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic;">Investment Advisory Income</div></div>: The Company earns trust, insurance commissions, brokerage commissions and annuities income from its contracts with trust customers to manage assets for investment, and/or to transact on their accounts. These fees are primarily earned over time as the Company provides the contracted monthly or quarterly services and are generally assessed based on a tiered scale of the market value of assets under management (AUM) at month-end. Fees that are transaction based, including trade execution services, are recognized at the point in time that the transaction is executed (i.e., the trade date). Other related fees, which are based on a fixed fee schedule, are recognized when the services are rendered.</div></div></div> 228000 0 <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-style: italic;">(In thousands)</div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">March 31,<br /> 2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">December 31,<br /> 2017</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left">Real estate mortgage loans:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 64%; font-size: 10pt; padding-left: 10pt">Residential</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">134,298</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">136,399</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,248</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,198</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Residential construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">31,207</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">28,854</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,471</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">100,133</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate contruction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13,261</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17,161</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt">Commercial business loans</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">33,186</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,114</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Consumer loans:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Home equity and second mortgage loans</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">49,423</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">49,802</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Automobile loans</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,809</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,361</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Loans secured by savings accounts</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,294</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,751</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Unsecured loans</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,553</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,744</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Other consumer loans</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,275</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,714</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Gross loans</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">429,025</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">437,231</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Less undisbursed portion of loans in process</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(19,155</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(25,020</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Principal loan balance</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">409,870</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">412,211</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Deferred loan origination fees, net</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,040</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,041</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Allowance for loan losses</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(3,631</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(3,634</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Loans, net</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">407,279</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">409,618</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div> <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Residential<br /> Real Estate</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Land</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Construction</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Commercial<br /> Real Estate</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Commercial<br /> Business</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center"><div style=" margin-top: 0; margin-bottom: 0">Home Equity</div> <div style=" margin-top: 0; margin-bottom: 0">&amp;</div> <div style=" margin-top: 0; margin-bottom: 0">2nd Mtg</div></td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Other<br /> Consumer</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Total</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td style="font-size: 9pt; font-style: italic">&nbsp;</td> <td colspan="31" style="font-size: 9pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 9pt; font-weight: bold"><div style="display: inline; text-decoration: underline;">Recorded Investment in Loans:</div></td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 20%; font-size: 9pt; text-align: left">Principal loan balance</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">134,298</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,248</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,313</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,471</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">33,186</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">49,423</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,931</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">409,870</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left">Accrued interest receivable</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">494</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">72</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">48</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">221</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">98</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">185</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">190</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,308</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left; padding-bottom: 1pt">Net deferred loan origination fees and costs</td> <td style="font-size: 9pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">91</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">16</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(7</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">)</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(41</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">)</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">980</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,040</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left; padding-bottom: 2.25pt">Recorded investment in loans</td> <td style="font-size: 9pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">134,883</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,336</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,354</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,651</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">33,285</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,588</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">51,121</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">412,218</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt; font-weight: bold; text-align: left">Recorded Investment in Loans as Evaluated for Impairment:</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left; text-indent: -10pt; padding-left: 10pt">Individually evaluated for impairment</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,803</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">365</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">319</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">91</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,680</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt; text-align: left; text-indent: -10pt; padding-left: 10pt">Collectively evaluated for impairment</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">131,727</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,242</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,354</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,239</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">32,966</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,497</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">51,113</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">408,138</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left; padding-bottom: 1pt; text-indent: -10pt; padding-left: 10pt">Acquired with deteriorated credit quality</td> <td style="font-size: 9pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">353</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">47</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">400</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; padding-bottom: 2.25pt">Ending balance</td> <td style="font-size: 9pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">134,883</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,336</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,354</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,651</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">33,285</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,588</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">51,121</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">412,218</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> </tr> </table></div><div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Residential<br /> Real Estate</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Land</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Construction</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Commercial<br /> Real Estate</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Commercial<br /> Business</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Home Equity <br />&amp; <br />2nd Mtg</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Other<br /> Consumer</td> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 9pt; font-weight: bold; text-align: center">Total</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 9pt; font-weight: bold">&nbsp;</td> <td style="font-size: 9pt; font-style: italic">&nbsp;</td> <td colspan="31" style="font-size: 9pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 9pt; font-weight: bold; text-align: left"><div style="display: inline; text-decoration: underline;">Recorded Investment in Loans:</div></td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td colspan="3" style="font-size: 9pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 20%; font-size: 9pt; text-align: left">Principal loan balance</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">136,399</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,198</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20,995</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">100,133</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,114</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">49,802</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,570</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 9pt">&nbsp;</td> <td style="width: 1%; font-size: 9pt; text-align: left">$</td> <td style="width: 7%; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">412,211</div></td> <td style="width: 1%; font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left">Accrued interest receivable</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">474</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">49</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">249</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">87</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">189</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">223</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,365</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left">Net deferred loan origination</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt; text-align: left; padding-bottom: 1pt">fees and costs</td> <td style="font-size: 9pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">87</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(10</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">)</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(42</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">)</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">987</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,041</div></td> <td style="border-bottom: Black 1pt solid; font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt; text-align: left; padding-bottom: 2.25pt">Recorded investment in loans</td> <td style="font-size: 9pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">136,960</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,309</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,034</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">100,340</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,203</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,978</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,793</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">414,617</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt; font-weight: bold; text-align: left">Recorded Investment in Loans as Evaluated for Impairment:</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left; text-indent: -10pt; padding-left: 10pt">Individually evaluated for impairment</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,907</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">401</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">42</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">73</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">$</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,423</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt; text-align: left; text-indent: -10pt; padding-left: 10pt">Collectively evaluated for impairment</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">133,703</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,309</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,034</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">99,891</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,161</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,905</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,793</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">410,796</div></td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; text-align: left; text-indent: -10pt; padding-left: 10pt; padding-bottom: 1pt">Acquired with deteriorated credit quality</td> <td style="font-size: 9pt; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">350</div></td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">48</div></td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> <td style="font-size: 9pt; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">398</div></td> <td style="font-size: 9pt; text-align: left; border-bottom: Black 1pt solid">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; text-align: right">&nbsp;</td> <td style="font-size: 9pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 9pt; padding-bottom: 2.25pt">Ending balance</td> <td style="font-size: 9pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">136,960</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,309</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,034</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">100,340</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,203</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,978</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,793</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> <td style="font-size: 9pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">414,617</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 9pt; text-align: left">&nbsp;</td> </tr> </table></div> <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; font-style: normal; text-align: justify">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="7" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Three Months Ended<br /> March 31,</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; font-style: normal; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; font-style: normal; text-align: center; border-bottom: Black 1pt solid">2018</td> <td style="font-size: 10pt; font-weight: bold; font-style: normal; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; font-style: normal; text-align: center; border-bottom: Black 1pt solid">2017</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: normal">&nbsp;</td> <td colspan="7" style="font-size: 10pt; font-weight: normal; text-align: center">(<div style="display: inline; font-size: 10pt; font-weight: normal"><div style="display: inline; font-style: italic;">In thousands</div><div style="display: inline; font-style: normal">)</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: justify">Cash payments for:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 64%; font-size: 10pt; text-align: justify; padding-left: 10pt">Interest</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">351</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">370</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify; padding-left: 10pt">Taxes (net of refunds received)</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">0</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">0</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: justify">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify">Noncash investing activities:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: justify; padding-left: 30pt; text-indent: -20pt">Transfers from loans to real estate acquired through foreclosure</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">27</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">194</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div> <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Residential<br /> Real Estate</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Land</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Construction</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Commercial<br /> Real Estate</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Commercial<br /> Business</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style=" margin-top: 0; margin-bottom: 0">Home Equity</div> <div style=" margin-top: 0; margin-bottom: 0">&amp;</div> <div style=" margin-top: 0; margin-bottom: 0">2nd Mtg</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Other<br /> Consumer</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Total</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; font-style: italic"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="31" style="font-size: 10pt; font-style: italic; text-align: center"><div style="display: inline; font-size: 9pt">(In thousands)</div></td> </tr> <tr style="vertical-align: bottom"> <td colspan="9" style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">Ending allowance balance attributable to loans:</div></div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">&nbsp;</div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">&nbsp;</div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">&nbsp;</div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">&nbsp;</div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">&nbsp;</div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">&nbsp;</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 20%; font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt"><div style="display: inline; font-size: 9pt">Individually evaluated for impairment</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">101</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">117</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt"><div style="display: inline; font-size: 9pt">Collectively evaluated for impairment</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">200</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">156</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">291</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">1,520</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">273</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">667</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">407</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3,514</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt; text-indent: -10pt"><div style="display: inline; font-size: 9pt">Acquired with deteriorated credit quality</div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 2.25pt"><div style="display: inline; font-size: 9pt">Ending balance</div></td> <td style="font-size: 10pt; padding-bottom: 2.25pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">301</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">156</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">291</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">1,520</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">276</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">680</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">407</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3,631</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> </table></div><div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Residential<br /> Real Estate</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Land</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Construction</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial<br /> Real Estate</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial<br /> Business</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style=" margin-top: 0; margin-bottom: 0">Home Equity</div> <div style=" margin-top: 0; margin-bottom: 0">&amp;</div> <div style=" margin-top: 0; margin-bottom: 0">2nd Mtg</div></td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Other<br /> Consumer</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="31" style="font-size: 10pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td colspan="9" style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Ending allowance balance attributable to loans:</div></div></td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 20%; font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for<br /> impairment</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">35</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Collectively evaluated for<br /> impairment</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">182</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">133</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">245</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,622</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">287</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">697</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">414</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,580</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt; text-indent: -10pt">Acquired with deteriorated<br /> credit quality</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 2.25pt">Ending balance</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">219</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">133</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">245</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,622</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">291</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">710</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">414</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,634</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div><div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Residential<br /> Real Estate</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Land</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Construction</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Commercial<br /> Real Estate</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Commercial<br /> Business</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 9pt">Home Equity</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 9pt">&amp;</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 9pt">2nd Mtg</div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Other<br /> Consumer</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Total</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; font-style: italic"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="31" style="font-size: 10pt; font-style: italic; text-align: center"><div style="display: inline; font-size: 9pt">(In thousands)</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">Allowance for loan losses:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 20%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">Beginning balance</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">219</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">133</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">245</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">1,622</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">291</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">710</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">414</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3,634</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">Provisions for loan losses</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">139</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">23</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">46</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(110</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(15</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(33</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">147</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">197</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">Charge-offs</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(60</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(1</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(196</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(257</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 9pt">Recoveries</div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">8</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">1</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">42</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">57</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 2.25pt"><div style="display: inline; font-size: 9pt">Ending balance</div></td> <td style="font-size: 10pt; padding-bottom: 2.25pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">301</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">156</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">291</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">1,520</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">276</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">680</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">407</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3,631</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> </table></div><div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Residential<br /> Real Estate</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Land</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Construction</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Commercial<br /> Real Estate</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Commercial<br /> Business</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 9pt">Home Equity</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 9pt">&amp;<br /></div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 9pt"></div>2nd Mtg</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Other<br /> Consumer</div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">Total</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; font-style: italic"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="31" style="font-size: 10pt; font-style: italic; text-align: center"><div style="display: inline; font-size: 9pt">(In thousands)</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 9pt">Allowance for loan losses:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 20%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">Beginning balance</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">380</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">56</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">80</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">1,670</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">198</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">683</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">319</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3,386</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">Provisions for loan losses</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(85</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">53</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">143</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(128</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">85</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">14</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">129</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">211</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">Charge-offs</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(40</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(1</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(43</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(204</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">(288</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">)</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 9pt">Recoveries</div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">16</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">-</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">44</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">4</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">1</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">44</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">109</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 2.25pt"><div style="display: inline; font-size: 9pt">Ending balance</div></td> <td style="font-size: 10pt; padding-bottom: 2.25pt"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">271</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">109</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">223</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">1,585</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">244</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">698</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">288</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">$</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-size: 9pt">3,418</div></div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 9pt">&nbsp;</div></td> </tr> </table></div> <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="7" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Three Months Ended<br /> March 31,</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2017</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-style: italic">(Dollars in thousands, exept per share data)</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; text-decoration: underline;">Basic</div></td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; padding-left: 10pt">Earnings:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; padding-bottom: 2.25pt; padding-left: 20pt">Net income attributable to First Capital, Inc.</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right; border-bottom: Black 2.25pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$2,133</div></div></td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right; border-bottom: Black 2.25pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$1,553</div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 10pt">Shares:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 64%; font-size: 10pt; padding-bottom: 2.5pt; padding-left: 20pt">Weighted average common shares outstanding</td> <td style="width: 1%; font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left; border-bottom: Black 2.5pt double">&nbsp;</td> <td style="width: 15%; font-size: 10pt; text-align: right; border-bottom: Black 2.5pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,326,464</div></td> <td style="width: 1%; font-size: 10pt; text-align: left; padding-bottom: 2.5pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="width: 1%; font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left; border-bottom: Black 2.5pt double">&nbsp;</td> <td style="width: 15%; font-size: 10pt; text-align: right; border-bottom: Black 2.5pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,342,052</div></td> <td style="width: 1%; font-size: 10pt; text-align: left; padding-bottom: 2.5pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt; padding-left: 10pt; text-indent: -10pt">Net income attributable to First Capital, Inc. per common share, basic</td> <td style="font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 2.5pt double">$</td> <td style="font-size: 10pt; text-align: right; border-bottom: Black 2.5pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">0.64</div></td> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 2.5pt double">$</td> <td style="font-size: 10pt; text-align: right; border-bottom: Black 2.5pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">0.46</div></td> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-decoration: underline">Diluted</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 10pt">Earnings:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 20pt">Net income attributable to First Capital, Inc.</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,133</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,553</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">Shares:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-left: 10pt">Weighted average common shares outstanding</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,326,464</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,342,052</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Add: Dilutive effect of restricted stock</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,671</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,070</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 2.5pt; padding-left: 10pt">Weighted average common shares outstanding, as adjusted</td> <td style="font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 2.5pt double">&nbsp;</td> <td style="font-size: 10pt; text-align: right; border-bottom: Black 2.5pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,332,135</div></td> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 2.5pt double">&nbsp;</td> <td style="font-size: 10pt; text-align: right; border-bottom: Black 2.5pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,347,122</div></td> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt; padding-left: 10pt; text-indent: -10pt">Net income attributable to First Capital, Inc. per common share, diluted</td> <td style="font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 2.5pt double">$</td> <td style="font-size: 10pt; text-align: right; border-bottom: Black 2.5pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">0.64</div></td> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left; border-bottom: Black 2.5pt double">$</td> <td style="font-size: 10pt; text-align: right; border-bottom: Black 2.5pt double"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">0.46</div></td> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">&nbsp;</div></td> </tr> </table></div> <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">March 31, 2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">December 31, 2017</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: center">&nbsp;<br /><div style="display: inline; font-weight: bold;">Nonaccrual<br /> Loans</div></td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Loans 90+ Days<br /> Past Due<br /> Still Accruing</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total<br /> Nonperforming<br /> Loans</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">Nonaccrual<br /> Loans</div></td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Loans 90+ Days<br /> Past Due<br /> Still Accruing</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total<br /> Nonperforming<br /> Loans</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="23" style="font-size: 10pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 22%; font-size: 10pt">Residential</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,262</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">100</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,362</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,298</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">109</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,407</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">Land</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">Construction</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">104</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">104</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">66</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">205</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">42</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">59</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">101</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Home equity/2nd mortgage</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">76</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">76</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">57</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">57</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Other consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">28</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">28</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 2.25pt; padding-left: 10pt">Total</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,675</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">179</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,854</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,536</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">291</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,827</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div> <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;</div></td> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-weight: bold;">Number</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-weight: bold;">of</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-weight: bold;">Shares</div></div></td> <td style="font-size: 10pt; text-align: center"><div style="display: inline; font-weight: bold;">&nbsp;</div></td> <td colspan="3" style="font-size: 10pt; text-align: center"><div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-weight: bold;">Weighted</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-weight: bold;">Average</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-weight: bold;">Grant Date</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-weight: bold;">Fair Value</div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 64%; font-size: 10pt; text-align: justify">Nonvested at January 1, 2018</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,500</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">24.50</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify">Granted</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20,000</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">37.42</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: justify">Vested</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify; padding-bottom: 1pt">Forfeited</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; text-align: left; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; text-align: right; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; font-weight: normal; font-style: normal; text-align: left; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">&nbsp;</td> <td style="font-size: 10pt; text-align: right; padding-bottom: 1pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: justify">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: justify; padding-bottom: 2.5pt">Nonvested at March 31, 2018</td> <td style="font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">30,500</div></td> <td style="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.5pt">&nbsp;</td> <td style="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">$</td> <td style="padding-bottom: 2.5pt; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">32.97</div></td> <td style="padding-bottom: 2.5pt; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div> <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Number of<br /> Investment<br /> Positions</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;<br /> Fair<br /> Value</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Gross<br /> Unrealized<br /> Losses</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-style: italic">(Dollars in thousands)</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">Continuous loss position less than twelve months:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 46%; font-size: 10pt; text-align: left; padding-left: 10pt">Agency mortgage-backed securities</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">36</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">31,683</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">962</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency CMO</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,948</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">77</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency notes and bonds</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,047</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">132</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Muncipal obligations</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">41</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,667</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">502</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Total less than twelve months</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">88</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">67,345</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,673</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Continuous loss position more than twelve months:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency mortgage-backed securities</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">63</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">75,048</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,383</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency CMO</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,150</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">394</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency notes and bonds</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">19</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">57,501</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,315</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Muncipal obligations</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">29</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,284</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">638</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Total more than twelve months</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">129</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">157,983</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,730</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 20pt">Total securities available for sale</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">217</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">225,328</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,403</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div><div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Number of<br /> Investment<br /> Positions</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;<br /> Fair<br /> Value</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;<br /> &nbsp;<br /> &nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Gross<br /> Unrealized<br /> Losses</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-style: italic">(Dollars in thousands)</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">Continuous loss position less than twelve months:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 46%; font-size: 10pt; text-align: left; padding-left: 10pt">Agency mortgage-backed securities</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">37</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">37,570</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 15%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">400</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency CMO</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,036</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency notes and bonds</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,119</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Muncipal obligations</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,955</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">83</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Total less than twelve months</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">67</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">62,680</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">590</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Continuous loss position more than twelve months:</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency mortgage-backed securities</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">60</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">74,960</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,853</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency CMO</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,801</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">300</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Agency notes and bonds</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">19</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">57,909</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">916</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Muncipal obligations</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">29</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,667</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">322</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Total more than twelve months</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">126</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">159,337</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,391</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 20pt">Total securities available for sale</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">193</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">222,017</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,981</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table></div> 49000 21000 0 0 20000 19500 20000 37.42 24.50 37.42 10500 30500 24.50 32.97 223000 184000 0 0.2 P10Y 748000 478000 748000 -748000 0 79331000 80938000 79446000 81050000 38000 39515000 47051000 -2277000 -300000 -8297000 112000 75842000 38000 39515000 47903000 -1812000 -279000 -8297000 115000 77183000 38000 39515000 51972000 -2060000 -212000 -8315000 112000 38000 40263000 53333000 -5077000 -911000 -8315000 115000 27000 194000 425969 425969 8315000 8315000 <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="15" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">March 31, 2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">&nbsp;</td> <td colspan="15" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">December 31, 2017</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Accruing</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Nonaccrual</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Related Allowance<br /> for Loan Losses</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Accruing</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Nonaccrual</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total</td> <td style="font-size: 10pt; font-weight: bold">&nbsp;</td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Related Allowance<br /> for Loan Losses</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center">&nbsp;</td> <td style="font-size: 10pt; font-style: italic">&nbsp;</td> <td colspan="31" style="font-size: 10pt; font-style: italic; text-align: center">(In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold">Troubled debt restructurings:</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: right">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 20%; font-size: 10pt; text-align: left; padding-left: 10pt">Residential real estate</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">484</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">106</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">590</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">487</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">106</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">593</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial real estate</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">354</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">354</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">356</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">356</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial business</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">179</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">179</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Home equity and 2nd mortgage</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; padding-bottom: 2.25pt; padding-left: 10pt">Total</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,032</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">106</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,138</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">858</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">106</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">964</div></td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; border-bottom: Black 2.25pt double">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">-</div></td> 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Interest income recognized with allowance us-gaap_PaymentsOfDividends Dividends paid Interest income recognized Overall Qualitative Factor [Member] Represents the overall qualitative factor. Qualitative Factor Past Due Loans [Member] Represents a qualitative factor for past due loans. Recorded investment with no allowance Classified Loans [Member] Information pertaining to classified notes. Recorded investment with allowance Recorded investment Average recorded investment with no allowance Average recorded investment with allowance Average recorded investment Unpaid principal balance with no allowance Unpaid principal balance with allowance Unpaid principal balance Noncontrolling Interest [Member] Other expenses us-gaap_NoninterestExpense Total noninterest expense fcap_TroubledDebtRestructuringPrincipalChargeOffs Troubled Debt Restructuring, Principal Charge-offs Represents the amount of principal charge-offs for troubled debt restructuring. Retained Earnings [Member] Principal loan balance fcap_LoansAndLeasesReceivablePrincipalBalance Principal loan balance Represents the loans and leases receivable principal balance. Real Estate Mortgage Portfolio Segment [Member] Portfolio segment of the company's total financing receivables related to real estate mortgage receivables. Deferred Compensation, Share-based Payments [Member] Treasury Stock [Member] Residential Loan [Member] Loan based on the equity of the borrower's residential property in which the borrower receives the loan amount upfront. Land Loan [Member] Loan based on the equity of the borrower's land in which the borrower receives the loan amount upfront. NONINTEREST EXPENSE Commercial Real Estate Loan [Member] Loan based on the commercial real estate in which the borrower receives the loan amount upfront. Additional Paid-in Capital [Member] Commercial Real Estate Construction [Member] Loan based on the commercial real estate construction in which the borrower receives the loan amount upfront. Common Stock [Member] Equity Components [Axis] Equity Component [Domain] Home Equity and Second Mortgage [Member] Represents the loans that are home equity and second mortgage. Real Estate Loan [Member] Loans Secured by Deposits [Member] Loan based on the secured by deposits in which the borrower receives the loan amount upfront. Other Consumer Loan [Member] Represents other consumers loans. Unsecured Loan [Member] Represents the unsecured loans. Class of Financing Receivable, Type [Domain] Other Liabilities [Member] Construction Loans [Member] Other Assets [Member] Class of Financing Receivable, Type [Axis] Financing Receivable Portfolio Segment [Domain] Commercial Portfolio Segment [Member] Consumer Portfolio Segment [Member] Financing Receivable Portfolio Segment [Axis] OTHER COMPREHENSIVE INCOME (LOSS) Disaggregation of Revenue [Table Text Block] Revenue from Contract with Customer [Text Block] us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings Repayment of advances from Federal Home Loan Bank Balance Sheet Location [Axis] Balance Sheet Location [Domain] Accounting Policies [Abstract] Accrued interest receivable fcap_LoansAndLeasesReceivableAccruedInterest Represents loans and leases receivable accrued interest. Dividends per share on common shares (in dollars per share) Debt Securities [Member] Financing Receivable [Member] Receivable Type [Axis] Equity Incentive Plan 2009 [Member] Information pertaining to the 2009 Equity Incentive Plan. Receivable [Domain] fcap_MaximumFairValueOfFirstExercisableStockIncentiveOptions Maximum Fair Value of First Exercisable Stock Incentive Options The aggregate fair value of the stock for which any optionee may be granted incentive options which are first exercisable during any calendar year shall not exceed certain amount. Officers, Directors and Key Employees [Member] Information pertaining to officers, directors and key employees. Income Statement Location [Axis] us-gaap_DepositsFairValueDisclosure Deposits Income Statement Location [Domain] Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] fcap_FairValueInputsEstimatedSellingCosts Fair Value Inputs, Estimated Selling Costs Represents the fair value inputs estimated selling costs. Impaired Loan [Member] Information pertaining to impaired loan. Accrued expenses and other liabilities Foreclosed Real Estate [Member] Information pertaining to foreclosed real estate. Schedule of Purchased Credit Impaired Loans [Table Text Block] Tabular disclosure of carrying amount of Purchased Credit Impaired loans accounted for under ASC 310-30. us-gaap_PaymentsToAcquireAvailableForSaleSecurities Purchase of securities available for sale Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Table Text Block] Tabular disclosure of reconciliation of a concept from the beginning of a period to the end of a period. Proceeds from sales of securities available for sale us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount Net income attributable to First Capital, Inc. per common share, diluted (in dollars per share) fcap_RealEstateAcquiredThroughForeclosureFairValueDisclosure Foreclosed real estate Represents the fair value of real estate acquired through foreclosure. fcap_ImpairedLoansFairValueDisclosure Impaired loans Represents impaired loans fair value disclosure. fcap_InterestPayableFairValueDisclosure Accrued interest payable Represents the fair value of interest payable. fcap_AccruedInterestReceivableFairValueDisclosure Accrued interest receivable Represents the fair value of accrued interest receivable. Statement [Table] Scenario [Axis] Statement of Financial Position [Abstract] Diluted (in dollars per share) Scenario, Unspecified [Domain] Weighted average common shares outstanding (in shares) Basic (in dollars per share) Statement of Cash Flows [Abstract] us-gaap_QualifiedAffordableHousingProjectInvestmentsCommitment Qualified Affordable Housing Project Investments, Commitment Statement of Stockholders' Equity [Abstract] Income Statement [Abstract] Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block] fcap_PaymentsForInvestmentInTaxCreditEntity Investment in tax credit entity Represents the amount of payments during the period for investment in a tax credit entity. Schedule of Financing Receivables, Non Accrual Status [Table Text Block] us-gaap_Deposits Total deposits Investments Classified by Contractual Maturity Date [Table Text Block] Interest-bearing Schedule of Unrealized Loss on Investments [Table Text Block] Net increase in deposits Noninterest-bearing Recorded Investment in Loans as Evaluated for Impairment: New Accounting Pronouncements and Changes in Accounting Principles [Text Block] Unrealized holding gains (losses) arising during the period Fair Value, Assets Measured on Recurring and Nonrecurring Basis [Table Text Block] us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax Less:reclassification adjustment for realized gains included in net income CASH FLOWS FROM FINANCING ACTIVITIES us-gaap_PaymentsToAcquireLifeInsurancePolicies Investment in cash value of life insurance Vesting Each Year on July 1, Beginning in 2019 [Member] Represents information pertaining to awards that vest each year on July 1, beginning July 1, 2019. us-gaap_StockholdersEquity Total First Capital, Inc. stockholders' equity Class of Stock [Axis] Schedule of Earnings Per Share, Basic and Diluted [Table Text Block] Investment Advisory, Management and Administrative Service [Member] Securities available for sale, gross unrealized losses Securities available for sale, gross unrealized gains Securities available for sale, amortized cost Securities available for sale, amortized cost Securities available for sale, amortized cost, due after one year through five years Securities available for sale, amortized cost, due after five years through ten years Securities available for sale, amortized cost, due after ten years EX-101.PRE 11 fcap-20180331_pre.xml XBRL PRESENTATION FILE XML 12 R1.htm IDEA: XBRL DOCUMENT v3.8.0.1
Document And Entity Information - shares
3 Months Ended
Mar. 31, 2018
Apr. 27, 2018
Document Information [Line Items]    
Entity Registrant Name First Capital Inc.  
Entity Central Index Key 0001070296  
Trading Symbol fcap  
Current Fiscal Year End Date --12-31  
Entity Filer Category Accelerated Filer  
Entity Current Reporting Status Yes  
Entity Voluntary Filers No  
Entity Well-known Seasoned Issuer No  
Entity Common Stock, Shares Outstanding (in shares)   3,356,964
Document Type 10-Q  
Document Period End Date Mar. 31, 2018  
Document Fiscal Year Focus 2018  
Document Fiscal Period Focus Q1  
Amendment Flag false  
XML 13 R2.htm IDEA: XBRL DOCUMENT v3.8.0.1
Consolidated Balance Sheets (Current Period Unaudited) - USD ($)
$ in Thousands
Mar. 31, 2018
Dec. 31, 2017
ASSETS    
Cash and due from banks $ 15,298 $ 19,478
Interest bearing deposits with banks 2,644 730
Federal funds sold 21,543 5,707
Total cash and cash equivalents 39,485 25,915
Interest-bearing time deposits 8,019 9,258
Securities available for sale, at fair value 264,843 271,172
Securities-held to maturity 1
Loans, net 407,279 409,618
Loans held for sale 2,141 2,630
Federal Home Loan Bank and other stock, at cost 1,979 1,979
Foreclosed real estate 3,809 3,971
Premises and equipment 14,806 15,031
Accrued interest receivable 2,650 2,694
Cash value of life insurance 8,322 7,279
Goodwill 6,472 6,472
Core deposit intangible 1,076 1,112
Other assets 6,443 1,824
Total Assets 767,324 758,956
LIABILITIES    
Noninterest-bearing 139,111 129,828
Interest-bearing 542,460 534,734
Total deposits 681,571 664,562
Advances from Federal Home Loan Bank 10,000
Accrued interest payable 98 107
Accrued expenses and other liabilities 6,209 3,237
Total liabilities 687,878 677,906
EQUITY    
Preferred stock of $.01 par value per share; authorized 1,000,000 shares; none issued
Common stock of $.01 par value per share Authorized 7,500,000 shares; issued 3,782,933 shares (3,762,933 in 2017); outstanding 3,356,964 shares (3,336,964 in 2017) 38 38
Additional paid-in capital 40,263 39,515
Retained earnings-substantially restricted 53,333 51,972
Unearned stock compensation (911) (212)
Accumulated other comprehensive loss (5,077) (2,060)
Less treasury stock, at cost - 425,969 shares (8,315) (8,315)
Total First Capital, Inc. stockholders' equity 79,331 80,938
Noncontrolling interest in subsidiary 115 112
Total equity 79,446 81,050
Total Liabilities and Equity $ 767,324 $ 758,956
XML 14 R3.htm IDEA: XBRL DOCUMENT v3.8.0.1
Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - $ / shares
Mar. 31, 2018
Dec. 31, 2017
Preferred stock, par value (in dollars per share) $ 0.01 $ 0.01
Preferred stock, authorized (in shares) 1,000,000 1,000,000
Preferred stock, issued (in shares) 0 0
Common stock, par value (in dollars per share) $ 0.01 $ 0.01
Common stock, authorized (in shares) 7,500,000 7,500,000
Common stock, issued (in shares) 3,782,933 3,762,933
Common stock, outstanding (in shares) 3,356,964 3,336,964
Treasury stock, shares (in shares) 425,969 425,969
XML 15 R4.htm IDEA: XBRL DOCUMENT v3.8.0.1
Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2018
Mar. 31, 2017
Loans, including fees $ 5,301 $ 4,947
Securities:    
Taxable 952 933
Tax-exempt 378 329
Dividends 33 17
Other interest income 100 117
Total interest income 6,764 6,343
INTEREST EXPENSE    
Deposits 321 359
Advances from Federal Home Loan Bank 21
Total interest expense 342 359
Net interest income 6,422 5,984
Provision for loan losses 197 211
Net interest income after provision for loan losses 6,225 5,773
NONINTEREST INCOME    
Noninterest income, financial service 1,197 1,115
Gain on sale of securities available for sale. 1
Gain on sale of loans 240 257
Increase in cash value of life insurance 43 41
Other income 45 40
Total noninterest income 1,526 1,453
NONINTEREST EXPENSE    
Compensation and benefits 2,894 2,720
Occupancy and equipment 413 381
Data processing 744 648
Professional fees 178 163
Advertising 85 100
Net loss on foreclosed real estate 121 311
Other expenses 819 832
Total noninterest expense 5,254 5,155
Income before income taxes 2,497 2,071
Income tax expense 361 515
Net Income 2,136 1,556
Less: net income attributable to the noncontrolling interest in subsidiary 3 3
Net Income Attributable to First Capital, Inc. $ 2,133 $ 1,553
Earnings per common share attributable to First Capital, Inc.:    
Basic (in dollars per share) $ 0.64 $ 0.46
Diluted (in dollars per share) 0.64 0.46
Dividends per share on common shares (in dollars per share) $ 0.23 $ 0.21
Deposit Account [Member]    
NONINTEREST INCOME    
Noninterest income, financial service $ 1,109 $ 1,001
Investment Advisory, Management and Administrative Service [Member]    
NONINTEREST INCOME    
Noninterest income, financial service $ 88 $ 114
XML 16 R5.htm IDEA: XBRL DOCUMENT v3.8.0.1
Consolidated Statements of Comprehensive Income (Loss) (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2018
Mar. 31, 2017
Net income $ 2,136 $ 1,556
Unrealized gains (losses) on securities available for sale:    
Unrealized holding gains (losses) arising during the period (4,015) 753
Income tax (expense) benefit (999) 288
Net of tax amount (3,016) 465
Less:reclassification adjustment for realized gains included in net income (1)
Income tax expense
Net of tax amount (1)
Other Comprehensive Income (Loss), net of tax (3,017) 465
Comprehensive Income (Loss) (881) 2,021
Less: comprehensive income attributable to the noncontrolling interest in subsidiary 3 3
Comprehensive Income (Loss) Attributable to First Capital, Inc. $ (884) $ 2,018
XML 17 R6.htm IDEA: XBRL DOCUMENT v3.8.0.1
Consolidated Statements of Changes in Stockholders' Equity (Unaudited) - USD ($)
$ in Thousands
Common Stock [Member]
Additional Paid-in Capital [Member]
Retained Earnings [Member]
AOCI Attributable to Parent [Member]
Deferred Compensation, Share-based Payments [Member]
Treasury Stock [Member]
Noncontrolling Interest [Member]
Total
Balances at Dec. 31, 2016 $ 38 $ 39,515 $ 47,051 $ (2,277) $ (300) $ (8,297) $ 112 $ 75,842
Net income 1,553 3 1,556
Other comprehensive income 465 465
Cash dividends (701) (701)
Stock compensation expense 21 21
Balances at Mar. 31, 2017 38 39,515 47,903 (1,812) (279) (8,297) 115 77,183
Balances at Dec. 31, 2017 38 39,515 51,972 (2,060) (212) (8,315) 112 81,050
Net income 2,133 3 2,136
Other comprehensive income (3,017) (3,017)
Cash dividends (772) (772)
Stock compensation expense 49 49
Restricted stock grants 748 (748) 0
Balances at Mar. 31, 2018 $ 38 $ 40,263 $ 53,333 $ (5,077) $ (911) $ (8,315) $ 115 $ 79,446
XML 18 R7.htm IDEA: XBRL DOCUMENT v3.8.0.1
Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2018
Mar. 31, 2017
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 2,136 $ 1,556
Adjustments to reconcile net income to net cash and cash equivalents provided by operating activities:    
Amortization of premiums and accretion of discounts on securities, net 431 411
Depreciation and amortization expense 312 299
Deferred income taxes (93) 67
Stock compensation expense 49 21
Increase in cash value of life insurance (43) (41)
Gain on sale of securities (1)
Provision for loan losses 197 211
Proceeds from sales of loans 16,547 12,891
Loans originated for sale (15,818) (10,552)
Gain on sale of loans (240) (257)
Amortization of tax credit investment 82
Net realized and unrealized loss on foreclosed real estate 29 227
Decrease (increase) in accrued interest receivable 44 (74)
Decrease in accrued interest payable (9) (11)
Net change in other assets/liabilities (265) 77
Net Cash Provided By Operating Activities 3,358 4,825
CASH FLOWS FROM INVESTING ACTIVITIES    
Investment in interest-bearing time deposits (245)
Proceeds from maturities and sales of interest-bearing time deposits 1,239 1,445
Purchase of securities available for sale (6,326) (22,815)
Proceeds from maturities of securities available for sale 520 850
Proceeds from sales of securities available for sale 1,458
Principal collected on mortgage-backed obligations 6,295 5,936
Investment in cash value of life insurance (1,000)
Net (increase) decrease in loans receivable 2,176 (4,304)
Investment in tax credit entity (436)
Proceeds from sale of foreclosed real estate 99 193
Purchase of premises and equipment (50) (371)
Net Cash Provided By (Used In) Investing Activities 3,975 (19,311)
CASH FLOWS FROM FINANCING ACTIVITIES    
Net increase in deposits 17,009 17,009
Repayment of advances from Federal Home Loan Bank (10,000)
Dividends paid (772) (701)
Net Cash Provided By Financing Activities 6,237 16,308
Net Increase in Cash and Cash Equivalents 13,570 1,822
Cash and cash equivalents at beginning of period 25,915 45,835
Cash and Cash Equivalents at End of Period $ 39,485 $ 47,657
XML 19 R8.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 1 - Presentation of Interim Information
3 Months Ended
Mar. 31, 2018
Notes to Financial Statements  
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]
1.
       Presentation of Interim Information
 
First Capital, Inc. (“Company”) is the savings and loan holding company for First Harrison Bank (“Bank”), a federal savings bank and wholly-owned subsidiary. First Harrison Investments, Inc. and First Harrison Holdings, Inc. are wholly-owned Nevada corporate subsidiaries of the Bank that jointly own First Harrison, LLC, a Nevada limited liability corporation that holds and manages an investment portfolio. First Harrison REIT, Inc. (“REIT”) is a wholly-owned subsidiary of First Harrison Holdings, Inc. that holds a portion of the Bank’s real estate mortgage loan portfolio. FHB Risk Mitigation Services, Inc. (“Captive”) is a wholly-owned insurance subsidiary of the Company that provides property and casualty insurance coverage to the Company, the Bank and the Bank’s subsidiaries, and reinsurance to
ten
other
third
party insurance captives for which insurance
may
not
be currently available or economically feasible in the insurance marketplace. Heritage Hill, LLC is a wholly-owned subsidiary of the Bank that holds and manages certain foreclosed real estate properties.
 
On
September 
20,
2017,
the Bank filed applications with the Indiana Department of Financial Institutions (“IDFI”) and the Federal Deposit Insurance Corporation (“FDIC”) to convert from a federal savings association into an Indiana chartered commercial bank (the “Conversion”). The Conversion has been approved by both the IDFI and FDIC. After the conversion, expected to be completed in
June 2018,
the IDFI will become the Bank’s primary regulator and the FDIC will become the Bank’s primary federal regulator. The Conversion is
not
expected to affect the Bank’s clients in any way and will
not
affect FDIC deposit insurance on eligible accounts.
 
Additionally, in connection with the Conversion, the Company filed an application with the Federal Reserve Bank of St. Louis to change from a savings and loan holding company to a financial holding company. The Company has received the approval of the Federal Reserve Bank of St. Louis, and this change is expected to happen simultaneously with the Conversion discussed above.
 
In the opinion of management, the unaudited consolidated financial statements include all adjustments considered necessary to present fairly the financial position as of
March 31, 2018,
and the results of operations for the
three
months ended
March 31, 2018
and
2017
and the cash flows for the
three
months ended
March 31, 2018
and
2017.
All of these adjustments are of a normal, recurring nature. Such adjustments are the only adjustments included in the unaudited consolidated financial statements. Interim results are
not
necessarily indicative of results for a full year or any other period.
 
The accompanying unaudited consolidated financial statements and notes have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial statements and are presented as permitted by the instructions to Form
10
-Q. Accordingly, they do
not
contain certain information included in the Company’s annual audited consolidated financial statements and related footnotes for the year ended
December 31, 2017
included in the Company’s Annual Report on Form
10
-K.
 
The unaudited consolidated financial statements include the accounts of the Company and its subsidiaries. All material intercompany balances and transactions have been eliminated in consolidation. Certain prior period amounts have been reclassified to conform with the current period presentation. The reclassifications had
no
effect on net income or stockholders’ equity.
XML 20 R9.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 2 - Investment Securities
3 Months Ended
Mar. 31, 2018
Notes to Financial Statements  
Investments in Debt and Equity Instruments, Cash and Cash Equivalents, Unrealized and Realized Gains (Losses) [Text Block]
2.
       Investment Securities
 
Investment securities have been classified in the consolidated balance sheets according to management’s intent. Investment securities at
March 31, 2018
and
December 31, 2017
are summarized as follows:
 
(In thousands)
  Amortized
Cost
  Gross
Unrealized
Gains
  Gross
Unrealized
Losses
  Fair
Value
                 
March 31, 2018
               
Securities available for sale:                
Agency mortgage-backed securities   $
111,090
    $
-
    $
4,345
    $
106,745
 
Agency CMO    
18,720
     
-
     
471
     
18,249
 
Other debt securities:                                
Agency notes and bonds    
70,495
     
-
     
1,447
     
69,048
 
Municipal obligations    
71,198
     
743
     
1,140
     
70,801
 
                                 
Total securities available for sale   $
271,503
    $
743
    $
7,403
    $
264,843
 
                                 
December 31, 2017                                
Securities available for sale:                                
Agency mortgage-backed securities   $
114,902
    $
-
    $
2,253
    $
112,649
 
Agency CMO    
15,660
     
1
     
338
     
15,323
 
Other debt securities:                                
Agency notes and bonds    
70,013
     
-
     
985
     
69,028
 
Municipal obligations    
73,303
     
1,274
     
405
     
74,172
 
                                 
Total securities available for sale   $
273,878
    $
1,275
    $
3,981
    $
271,172
 
                                 
Securities held to maturity:                                
Agency mortgage-backed securities   $
1
    $
-
    $
-
    $
1
 
                                 
Total securities held to maturity   $
1
    $
-
    $
-
    $
1
 
 
Agency notes and bonds, agency mortgage-backed securities and agency collateralized mortgage obligations (“CMO”) include securities issued by the Government National Mortgage Association (“GNMA”), a U.S. government agency, and the Federal National Mortgage Association (“FNMA”), the Federal Home Loan Mortgage Corporation (“FHLMC”) and the Federal Home Loan Bank (“FHLB”), which are government-sponsored enterprises.
 
The amortized cost and fair value of debt securities as of
March 31, 2018,
by contractual maturity, are shown below. Expected maturities of mortgage-backed securities and CMO
may
differ from contractual maturities because the mortgages underlying the obligations
may
be prepaid without penalty.
 
    Securities Available for Sale
    Amortized
Cost
  Fair
Value
(In thousands)        
         
Due in one year or less   $
15,335
    $
15,241
 
Due after one year through five years    
64,630
     
63,251
 
Due after five years through ten years    
32,072
     
31,459
 
Due after ten years    
29,656
     
29,898
 
     
141,693
     
139,849
 
Mortgage-backed securities and CMO    
129,810
     
124,994
 
                 
    $
271,503
    $
264,843
 
 
Information pertaining to investment securities available for sale with gross unrealized losses at
March 31, 2018,
aggregated by investment category and the length of time that individual investment securities have been in a continuous position, follows.
 
 
 
 
 
 
 
Number of
Investment
Positions
 
 
 
 
Fair
Value
 
 
 
Gross
Unrealized
Losses
(Dollars in thousands)            
             
Continuous loss position less than twelve months:            
Agency mortgage-backed securities    
36
    $
31,683
    $
962
 
Agency CMO    
7
     
2,948
     
77
 
Agency notes and bonds    
4
     
11,047
     
132
 
Muncipal obligations    
41
     
21,667
     
502
 
                         
Total less than twelve months    
88
     
67,345
     
1,673
 
                         
Continuous loss position more than twelve months:                        
Agency mortgage-backed securities    
63
     
75,048
     
3,383
 
Agency CMO    
18
     
11,150
     
394
 
Agency notes and bonds    
19
     
57,501
     
1,315
 
Muncipal obligations    
29
     
14,284
     
638
 
                         
Total more than twelve months    
129
     
157,983
     
5,730
 
                         
Total securities available for sale    
217
    $
225,328
    $
7,403
 
 
Information pertaining to investment securities available for sale with gross unrealized losses at
December 31, 2017,
aggregated by investment category and the length of time that individual investment securities have been in a continuous position, follows. At
December 31, 2017,
the Company did
not
have any securities held to maturity with an unrealized loss.
 
 
 
 
 
 
 
Number of
Investment
Positions
 
 
 
 
Fair
Value
 
 
 
Gross
Unrealized
Losses
(Dollars in thousands)            
             
Continuous loss position less than twelve months:            
Agency mortgage-backed securities    
37
    $
37,570
    $
400
 
Agency CMO    
6
     
3,036
     
38
 
Agency notes and bonds    
4
     
11,119
     
69
 
Muncipal obligations    
20
     
10,955
     
83
 
                         
Total less than twelve months    
67
     
62,680
     
590
 
                         
Continuous loss position more than twelve months:                        
Agency mortgage-backed securities    
60
     
74,960
     
1,853
 
Agency CMO    
18
     
11,801
     
300
 
Agency notes and bonds    
19
     
57,909
     
916
 
Muncipal obligations    
29
     
14,667
     
322
 
                         
Total more than twelve months    
126
     
159,337
     
3,391
 
                         
Total securities available for sale    
193
    $
222,017
    $
3,981
 
 
Management evaluates securities for other-than-temporary impairment at least quarterly, and more frequently when economic or market concerns warrant such evaluation. Consideration is given to (
1
) the length of time and the extent to which the fair value has been less than cost, (
2
) the financial condition and near-term prospects of the issuer, and (
3
) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recover in fair value.
 
At
March 31, 2018,
the U.S. government agency debt securities, including agency notes and bonds, mortgage-backed securities and CMO, and municipal obligations in a loss position had depreciated approximately
3.2%
from the amortized cost basis. All of the U.S. government agency securities and municipal obligations are issued by U.S. government agencies, government-sponsored enterprises and municipal governments, or are secured by
first
mortgage loans and municipal project revenues. These unrealized losses related principally to current interest rates for similar types of securities. In analyzing an issuer’s financial condition, management considers whether the securities are issued by the federal government, its agencies or other governments, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer’s financial condition. As the Company has the ability to hold the debt securities until maturity, or the foreseeable future if classified as available for sale,
no
declines are deemed to be other-than-temporary.
 
While management does
not
anticipate any credit-related impairment losses at
March 31, 2018,
additional deterioration in market and economic conditions
may
have an adverse impact on credit quality in the future.
 
During the
three
months ended
March 31, 2018,
the Company realized gross gains of
$7,000
and gross losses of
$6,000
on sales of available for sale municipal securities and U.S. government agency mortgage-backed CMO’s, respectively. During the
three
months ended
March 31, 2017,
the Company did
not
have any security sales.
 
Certain available for sale debt securities were pledged to secure public fund deposits at
March 31, 2018
and
December 31, 2017.
XML 21 R10.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 3 - Loans and Allowance for Loan Losses
3 Months Ended
Mar. 31, 2018
Notes to Financial Statements  
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]
3
.       Loans and Allowance for Loan Losses
 
The Company’s loan and allowance for loan loss policies are as follows:
 
Loans are stated at unpaid principal balances, less net deferred loan fees and the allowance for loan losses. The Company originates real estate mortgage, commercial business and consumer loans. A substantial portion of the loan portfolio is represented by mortgage loans to customers in the Louisville, Kentucky metropolitan statistical area (MSA). The ability of the Company’s customers to honor their loan agreements is largely dependent upon the real estate and general economic conditions in this area.
 
Loan origination and commitment fees, as well as certain direct costs of underwriting and closing loans, are deferred and amortized as a yield adjustment to interest income over the lives of the related loans using the interest method. Amortization of net deferred loan fees is discontinued when a loan is placed on nonaccrual status.
 
The recognition of income on a loan is discontinued and previously accrued interest is reversed, when interest or principal payments become
ninety
(
90
) days past due unless, in the opinion of management, the outstanding interest remains collectible. Past due status is determined based on contractual terms. Generally, by applying the cash receipts method, interest income is subsequently recognized only as received until the loan is returned to accrual status. The cash receipts method is used when the likelihood of further loss on the loan is remote. Otherwise, the Company applies the cost recovery method and applies all payments as a reduction of the unpaid principal balance until the loan qualifies for return to accrual status. Interest income on impaired loans is recognized using the cost recovery method, unless the likelihood of further loss on the loan is remote
.
 
A loan is restored to accrual status when all principal and interest payments are brought current and the borrower has demonstrated the ability to make future payments of principal and interest as scheduled, which generally requires that the borrower demonstrate a period of performance of at least
six
consecutive months.
 
For portfolio segments other than consumer loans, the Company’s practice is to charge-off any loan or portion of a loan when the loan is determined by management to be uncollectible due to the borrower’s failure to meet repayment terms, the borrower’s deteriorating or deteriorated financial condition, the depreciation of the underlying collateral, the loan’s classification as a loss by regulatory examiners, or for other reasons. A partial charge-off is recorded on a loan when the uncollectibility of a portion of the loan has been confirmed, such as when a loan is discharged in bankruptcy, the collateral is liquidated, a loan is restructured at a reduced principal balance, or other identifiable events that lead management to determine the full principal balance of the loan will
not
be repaid. A specific reserve is recognized as a component of the allowance for estimated losses on loans individually evaluated for impairment. Partial charge-offs on nonperforming and impaired loans are included in the Company’s historical loss experience used to estimate the general component of the allowance for loan losses as discussed below. Specific reserves are
not
considered charge-offs in management’s analysis of the allowance for loan losses because they are estimates and the outcome of the loan relationship is undetermined. At
March 31, 2018,
the Company had
five
loans on which partial charge-offs in the aggregate of
$97,000
had been recorded.
 
Consumer loans
not
secured by real estate are typically charged off at
90
days past due, or earlier if deemed uncollectible, unless the loans are in the process of collection. Overdrafts are charged off after
45
days past due. Charge-offs are typically recorded on loans secured by real estate when the property is foreclosed upon.
 
The allowance for loan losses reflects management’s judgment of probable loan losses inherent in the loan portfolio at the balance sheet date. Additions to the allowance for loan losses are made by the provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.
 
The Company uses a disciplined process and methodology to evaluate the allowance for loan losses on at least a quarterly basis that is based upon management’s periodic review of the collectibility 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. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.
 
The allowance consists of specific and general components. The specific component relates to loans that are individually evaluated for impairment or loans otherwise classified as doubtful, substandard, or special mention. For such loans that are also classified as impaired, an allowance is established when the underlying discounted collateral value (or present value of estimated future cash flows) of the impaired loan is lower than the carrying value of that loan.
 
The general component covers non-classified loans and classified loans that are found, upon individual evaluation, to
not
be impaired. Such loans are pooled by segment and losses are modeled using annualized historical loss experience adjusted for qualitative factors. The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the prior
five
years. The Company’s historical loss experience is then adjusted by an overall loss factor weighting adjustment based on a qualitative analysis prepared by management and reviewed on a quarterly basis. The overall loss factor considers changes in underwriting standards, economic conditions, changes and trends in past due and classified loans and other internal and external factors.
 
Management also applies additional loss factor multiples to loans classified as watch, special mention and substandard that are
not
individually evaluated for impairment. The loss factor multiples for classified loans are based on management’s assessment of historical trends regarding losses experienced on classified loans in prior periods. See below for additional discussion of the qualitative factors utilized in management’s allowance for loan loss methodology at
March 31, 2018
and
December 31, 2017.
 
Management exercises significant judgment in evaluating the relevant historical loss experience and the qualitative factors. Management also monitors the differences between estimated and actual incurred loan losses for loans considered impaired in order to evaluate the effectiveness of the estimation process and make any changes in the methodology as necessary.
 
Management utilizes the following portfolio segments in its analysis of the allowance for loan losses: residential real estate, land, construction, commercial real estate, commercial business, home equity and
second
mortgage, and other consumer loans. Additional discussion of the portfolio segments and the risks associated with each segment can be found in the Company’s Annual Report on Form
10
-K for the year ended
December 31, 2017.
 
A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are
not
classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent.
 
Values for collateral dependent loans are generally based on appraisals obtained from independent licensed real estate appraisers, with adjustments applied for estimated costs to sell the property, costs to complete unfinished or repair damaged property and other factors. New appraisals are generally obtained for all significant properties when a loan is identified as impaired, and a property is considered significant if the value of the property is estimated to exceed
$200,000.
Subsequent appraisals are obtained as needed or if management believes there has been a significant change in the market value of the property. In instances where it is
not
deemed necessary to obtain a new appraisal, management bases its impairment and allowance for loan loss analysis on the original appraisal with adjustments for current conditions based on management’s assessment of market factors and management’s inspection of the property.
 
At
March 31, 2018
and
December 31, 2017,
the recorded investments in loans secured by residential real estate properties for which formal foreclosure proceedings are in process was
$1.0
million and
$588,000,
respectively.
 
Loans at
March 31, 2018
and
December 31, 2017
consisted of the following:
 
(In thousands)
  March 31,
2018
  December 31,
2017
         
Real estate mortgage loans:        
Residential   $
134,298
    $
136,399
 
Land    
21,248
     
18,198
 
Residential construction    
31,207
     
28,854
 
Commercial real estate    
95,471
     
100,133
 
Commercial real estate contruction    
13,261
     
17,161
 
Commercial business loans    
33,186
     
34,114
 
Consumer loans:                
Home equity and second mortgage loans    
49,423
     
49,802
 
Automobile loans    
38,809
     
38,361
 
Loans secured by savings accounts    
1,294
     
1,751
 
Unsecured loans    
3,553
     
3,744
 
Other consumer loans    
7,275
     
8,714
 
Gross loans    
429,025
     
437,231
 
Less undisbursed portion of loans in process    
(19,155
)    
(25,020
)
                 
Principal loan balance    
409,870
     
412,211
 
                 
Deferred loan origination fees, net    
1,040
     
1,041
 
Allowance for loan losses    
(3,631
)    
(3,634
)
                 
Loans, net   $
407,279
    $
409,618
 
 
The following table provides the components of the Company’s recorded investment in loans at
March 31, 2018:
 
    Residential
Real Estate
  Land   Construction   Commercial
Real Estate
  Commercial
Business
 
Home Equity
&
2nd Mtg
  Other
Consumer
  Total
    (In thousands)
Recorded Investment in Loans:
                               
Principal loan balance   $
134,298
    $
21,248
    $
25,313
    $
95,471
    $
33,186
    $
49,423
    $
50,931
    $
409,870
 
                                                                 
Accrued interest receivable    
494
     
72
     
48
     
221
     
98
     
185
     
190
     
1,308
 
                                                                 
Net deferred loan origination fees and costs    
91
     
16
     
(7
)    
(41
)    
1
     
980
     
-
     
1,040
 
                                                                 
Recorded investment in loans   $
134,883
    $
21,336
    $
25,354
    $
95,651
    $
33,285
    $
50,588
    $
51,121
    $
412,218
 
                                                                 
                                                                 
Recorded Investment in Loans as Evaluated for Impairment:                                                                
Individually evaluated for impairment   $
2,803
    $
94
    $
-
    $
365
    $
319
    $
91
    $
8
    $
3,680
 
Collectively evaluated for impairment    
131,727
     
21,242
     
25,354
     
95,239
     
32,966
     
50,497
     
51,113
     
408,138
 
Acquired with deteriorated credit quality    
353
     
-
     
-
     
47
     
-
     
-
     
-
     
400
 
                                                                 
Ending balance   $
134,883
    $
21,336
    $
25,354
    $
95,651
    $
33,285
    $
50,588
    $
51,121
    $
412,218
 
 
The following table provides the components of the Company’s recorded investment in loans at
December 31, 2017:
 
    Residential
Real Estate
  Land   Construction   Commercial
Real Estate
  Commercial
Business
  Home Equity
&
2nd Mtg
  Other
Consumer
  Total
    (In thousands)
Recorded Investment in Loans:
                               
Principal loan balance   $
136,399
    $
18,198
    $
20,995
    $
100,133
    $
34,114
    $
49,802
    $
52,570
    $
412,211
 
                                                                 
Accrued interest receivable    
474
     
94
     
49
     
249
     
87
     
189
     
223
     
1,365
 
                                                                 
Net deferred loan origination                                                                
fees and costs    
87
     
17
     
(10
)    
(42
)    
2
     
987
     
-
     
1,041
 
                                                                 
Recorded investment in loans   $
136,960
    $
18,309
    $
21,034
    $
100,340
    $
34,203
    $
50,978
    $
52,793
    $
414,617
 
                                                                 
                                                                 
Recorded Investment in Loans as Evaluated for Impairment:                                                                
Individually evaluated for impairment   $
2,907
    $
-
    $
-
    $
401
    $
42
    $
73
    $
-
    $
3,423
 
Collectively evaluated for impairment    
133,703
     
18,309
     
21,034
     
99,891
     
34,161
     
50,905
     
52,793
     
410,796
 
Acquired with deteriorated credit quality    
350
     
-
     
-
     
48
     
-
     
-
     
-
     
398
 
                                                                 
Ending balance   $
136,960
    $
18,309
    $
21,034
    $
100,340
    $
34,203
    $
50,978
    $
52,793
    $
414,617
 
 
An analysis of the allowance for loan losses as of
March 31, 2018
is as follows:
 
 
 
Residential
Real Estate
 
Land
 
Construction
 
Commercial
Real Estate
 
Commercial
Business
 
Home Equity
&
2nd Mtg
 
Other
Consumer
 
Total
 
 
(In thousands)
Ending allowance balance attributable to loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
101
 
 
$
-
 
 
$
-
 
 
$
-
 
 
$
3
 
 
$
13
 
 
$
-
 
 
$
117
 
Collectively evaluated for impairment
 
 
200
 
 
 
156
 
 
 
291
 
 
 
1,520
 
 
 
273
 
 
 
667
 
 
 
407
 
 
 
3,514
 
Acquired with deteriorated credit quality
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending balance
 
$
301
 
 
$
156
 
 
$
291
 
 
$
1,520
 
 
$
276
 
 
$
680
 
 
$
407
 
 
$
3,631
 
 
An analysis of the allowance for loan losses as of
December 31, 2017
is as follows:
 
    Residential
Real Estate
  Land   Construction   Commercial
Real Estate
  Commercial
Business
 
Home Equity
&
2nd Mtg
  Other
Consumer
  Total
    (In thousands)
Ending allowance balance attributable to loans:
 
 
 
 
 
 
 
 
 
 
 
 
                                 
Individually evaluated for
impairment
  $
35
    $
-
    $
-
    $
-
    $
4
    $
13
    $
-
    $
52
 
Collectively evaluated for
impairment
   
182
     
133
     
245
     
1,622
     
287
     
697
     
414
     
3,580
 
Acquired with deteriorated
credit quality
   
2
     
-
     
-
     
-
     
-
     
-
     
-
     
2
 
                                                                 
Ending balance   $
219
    $
133
    $
245
    $
1,622
    $
291
    $
710
    $
414
    $
3,634
 
 
An analysis of the changes in the allowance for loan losses for the
three
months ended
March 31, 2018
is as follows:
 
 
 
Residential
Real Estate
 
Land
 
Construction
 
Commercial
Real Estate
 
Commercial
Business
 
Home Equity
&
2nd Mtg
 
Other
Consumer
 
Total
 
 
(In thousands)
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
219
 
 
$
133
 
 
$
245
 
 
$
1,622
 
 
$
291
 
 
$
710
 
 
$
414
 
 
$
3,634
 
Provisions for loan losses
 
 
139
 
 
 
23
 
 
 
46
 
 
 
(110
)
 
 
(15
)
 
 
(33
)
 
 
147
 
 
 
197
 
Charge-offs
 
 
(60
)
 
 
-
 
 
 
-
 
 
 
-
 
 
 
(1
)
 
 
-
 
 
 
(196
)
 
 
(257
)
Recoveries
 
 
3
 
 
 
-
 
 
 
-
 
 
 
8
 
 
 
1
 
 
 
3
 
 
 
42
 
 
 
57
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending balance
 
$
301
 
 
$
156
 
 
$
291
 
 
$
1,520
 
 
$
276
 
 
$
680
 
 
$
407
 
 
$
3,631
 
 
An analysis of the changes in the allowance for loan losses for the
three
months ended
March 31, 2017
is as follows:
 
 
 
Residential
Real Estate
 
Land
 
Construction
 
Commercial
Real Estate
 
Commercial
Business
 
Home Equity
&
2nd Mtg
 
Other
Consumer
 
Total
 
 
(In thousands)
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
380
 
 
$
56
 
 
$
80
 
 
$
1,670
 
 
$
198
 
 
$
683
 
 
$
319
 
 
$
3,386
 
Provisions for loan losses
 
 
(85
)
 
 
53
 
 
 
143
 
 
 
(128
)
 
 
85
 
 
 
14
 
 
 
129
 
 
 
211
 
Charge-offs
 
 
(40
)
 
 
-
 
 
 
-
 
 
 
(1
)
 
 
(43
)
 
 
-
 
 
 
(204
)
 
 
(288
)
Recoveries
 
 
16
 
 
 
-
 
 
 
-
 
 
 
44
 
 
 
4
 
 
 
1
 
 
 
44
 
 
 
109
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending balance
 
$
271
 
 
$
109
 
 
$
223
 
 
$
1,585
 
 
$
244
 
 
$
698
 
 
$
288
 
 
$
3,418
 
 
At
March 31, 2018
and
December 31, 2017,
management applied specific qualitative factor adjustments to various portfolio segments as they determined that the historical loss experience was
not
indicative of the level of risk in the remaining balance of those portfolio segments. These adjustments increased the loss factors by
0.15%
to
20%
for certain loan groups, and increased the estimated allowance for loan losses related to those portfolio segments by approximately
$2.3
million and
$2.1
million at
March 31, 2018
and
December 31, 2017,
respectively. These changes were made to reflect management’s estimates of inherent losses in these portfolio segments at
March 31, 2018
and
December 31, 2017.
 
At
March 31, 2018
and
December 31, 2017,
for each loan portfolio segment, management applied an overall qualitative factor of
1.18
to the Company’s historical loss factors. The overall qualitative factor is derived from management’s analysis of changes and trends in the following qualitative factors: underwriting standards, economic conditions, past due loans and other internal and external factors. Each of the
four
factors above was assigned an equal weight to arrive at an average for the overall qualitative factor of
1.18
at
March 31, 2018
and
December 31, 2017.
The effect of the overall qualitative factor was to increase the estimated allowance for loan losses by
$534,000
and
$536,000
at
March 31, 2018
and
December 31, 2017,
respectively. Additional discussion of the overall qualitative factor can be found in the Company’s Annual Report on Form
10
-K for the year ended
December 31, 2017.
There were
no
changes in management’s assessment of the overall qualitative factor components from
December 31, 2017
to
March 31, 2018.
 
Management also adjusts the historical loss factors for loans classified as watch, special mention and substandard that are
not
individually evaluated for impairment. The adjustments consider the increased likelihood of loss on classified loans based on the Company’s separate historical experience for classified loans. The effect of the adjustments for classified loans was to increase the estimated allowance for loan losses by
$515,000
and
$506,000
at
March 31, 2018
and
December 31, 2017,
respectively. These factors were
not
adjusted during the period from
December 31, 2017
to
March 31, 2018.
 
The following table summarizes the Company’s impaired loans as of
March 31, 2018
and for the
three
months ended
March 31, 2018
and
2017.
The Company did
not
recognize any interest income on impaired loans using the cash receipts method of accounting for the
three
month periods ended
March 31, 2018
and
2017:
 
 
    At March 31, 2018   Three Months Ended March 31, 2018   Three Months Ended March 31, 2017
    Recorded
Investment
  Unpaid
Principal
Balance
  Related
Allowance
  Average
Recorded
Investment
  Interest
Income
Recognized
  Average
Recorded
Investment
  Interest
Income
Recognized
    (In thousands)
Loans with no related allowance recorded:                                                        
Residential   $
2,525
    $
2,760
    $
-
    $
2,610
    $
7
    $
2,010
    $
8
 
Land    
94
     
95
     
-
     
47
     
-
     
-
     
-
 
Construction    
-
     
-
     
-
     
-
     
-
     
-
     
-
 
Commercial real estate    
365
     
363
     
-
     
383
     
5
     
1,150
     
3
 
Commercial business    
291
     
292
     
-
     
152
     
4
     
74
     
-
 
Home equity/2nd mortgage    
78
     
86
     
-
     
69
     
-
     
230
     
-
 
Other consumer    
8
     
8
     
-
     
4
     
-
     
6
     
-
 
                                                         
     
3,361
     
3,604
     
-
     
3,265
     
16
     
3,470
     
11
 
                                                         
Loans with an allowance recorded:                                                        
Residential    
278
     
285
     
101
     
245
     
-
     
150
     
-
 
Land    
-
     
-
     
-
     
-
     
-
     
-
     
-
 
Construction    
-
     
-
     
-
     
-
     
-
     
-
     
-
 
Commercial real estate    
-
     
-
     
-
     
-
     
-
     
-
     
-
 
Commercial business    
28
     
30
     
3
     
29
     
-
     
59
     
-
 
Home equity/2nd mortgage    
13
     
13
     
13
     
13
     
-
     
13
     
-
 
Other consumer    
-
     
-
     
-
     
-
     
-
     
18
     
-
 
                                                         
     
319
     
328
     
117
     
287
     
-
     
240
     
-
 
                                                         
Total:                                                        
Residential    
2,803
     
3,045
     
101
     
2,855
     
7
     
2,160
     
8
 
Land    
94
     
95
     
-
     
47
     
-
     
-
     
-
 
Construction    
-
     
-
     
-
     
-
     
-
     
-
     
-
 
Commercial real estate    
365
     
363
     
-
     
383
     
5
     
1,150
     
3
 
Commercial business    
319
     
322
     
3
     
181
     
4
     
133
     
-
 
Home equity/2nd mortgage    
91
     
99
     
13
     
82
     
-
     
243
     
-
 
Other consumer    
8
     
8
     
-
     
4
     
-
     
24
     
-
 
                                                         
    $
3,680
    $
3,932
    $
117
    $
3,552
    $
16
    $
3,710
    $
11
 
 
The following table summarizes the Company’s impaired loans as of
December 31, 2017:
 
 
 
 
 
 
 
 
Recorded
Investment
 
 
 
Unpaid
Principal
Balance
 
 
 
 
Related
Allowance
    (In thousands)
Loans with no related allowance recorded:
       
Residential   $
2,695
    $
2,948
    $
-
 
Land    
-
     
-
     
-
 
Construction    
-
     
-
     
-
 
Commercial real estate    
401
     
535
     
-
 
Commercial business    
12
     
12
     
-
 
Home equity/2nd mortgage    
60
     
68
     
-
 
Other consumer    
-
     
-
     
-
 
                         
     
3,168
     
3,563
     
-
 
                         
Loans with an allowance recorded:                        
Residential    
212
     
218
     
35
 
Land    
-
     
-
     
-
 
Construction    
-
     
-
     
-
 
Commercial real estate    
-
     
-
     
-
 
Commercial business    
30
     
30
     
4
 
Home equity/2nd mortgage    
13
     
13
     
13
 
Other consumer    
-
     
-
     
-
 
                         
     
255
     
261
     
52
 
                         
Total:                        
Residential    
2,907
     
3,166
     
35
 
Land    
-
     
-
     
-
 
Construction    
-
     
-
     
-
 
Commercial real estate    
401
     
535
     
-
 
Commercial business    
42
     
42
     
4
 
Home equity/2nd mortgage    
73
     
81
     
13
 
Other consumer    
-
     
-
     
-
 
                         
    $
3,423
    $
3,824
    $
52
 
 
Nonperforming loans consists of nonaccrual loans and loans over
90
days past due and still accruing interest. The following table presents the recorded investment in nonperforming loans at
March 31, 2018
and
December 31, 2017:
 
    March 31, 2018   December 31, 2017
     
Nonaccrual
Loans
  Loans 90+ Days
Past Due
Still Accruing
  Total
Nonperforming
Loans
 
Nonaccrual
Loans
  Loans 90+ Days
Past Due
Still Accruing
  Total
Nonperforming
Loans
    (In thousands)
                         
Residential   $
2,262
    $
100
    $
2,362
    $
2,298
    $
109
    $
2,407
 
Land    
94
     
-
     
94
     
-
     
95
     
95
 
Construction    
-
     
-
     
-
     
-
     
-
     
-
 
Commercial real estate    
104
     
-
     
104
     
139
     
-
     
139
 
Commercial business    
139
     
66
     
205
     
42
     
59
     
101
 
Home equity/2nd mortgage    
76
     
-
     
76
     
57
     
-
     
57
 
Other consumer    
-
     
13
     
13
     
-
     
28
     
28
 
                                                 
Total   $
2,675
    $
179
    $
2,854
    $
2,536
    $
291
    $
2,827
 
 
The following table presents the aging of the recorded investment in loans at
March 31, 2018:
 
 
 
 
 
 
 
 
30-59 Days
Past Due
 
 
 
 
60-89 Days
Past Due
 
 
 
 
90 Days or More
Past Due
 
 
 
 
Total
Past Due
 
 
 
 
 
Current
 
 
 
Purchased
Credit
Impaired Loans
 
 
 
 
Total
Loans
    (In thousands)
                             
Residential   $
2,108
    $
155
    $
1,473
    $
3,736
    $
130,794
    $
353
    $
134,883
 
Land    
381
     
-
     
94
     
475
     
20,861
     
-
     
21,336
 
Construction    
-
     
-
     
-
     
-
     
25,354
     
-
     
25,354
 
Commercial real estate    
-
     
233
     
104
     
337
     
95,267
     
47
     
95,651
 
Commercial business    
156
     
-
     
124
     
280
     
33,005
     
-
     
33,285
 
Home equity/2nd mortgage    
152
     
1
     
13
     
166
     
50,422
     
-
     
50,588
 
Other consumer    
249
     
15
     
13
     
277
     
50,844
     
-
     
51,121
 
                                                         
Total   $
3,046
    $
404
    $
1,821
    $
5,271
    $
406,547
    $
400
    $
412,218
 
 
The following table presents the aging of the recorded investment in loans at
December 31, 2017:
 
    30-59 Days
Past Due
  60-89 Days
Past Due
  90 Days or More
Past Due
  Total
Past Due
  Current   Purchased
Credit
Impaired Loans
  Total
Loans
    (In thousands)
                             
Residential   $
2,612
    $
338
    $
1,255
    $
4,205
    $
132,405
    $
350
    $
136,960
 
Land    
186
     
-
     
95
     
281
     
18,028
     
-
     
18,309
 
Construction    
-
     
-
     
-
     
-
     
21,034
     
-
     
21,034
 
Commercial real estate    
379
     
-
     
139
     
518
     
99,774
     
48
     
100,340
 
Commercial business    
46
     
49
     
102
     
197
     
34,006
     
-
     
34,203
 
Home equity/2nd mortgage    
468
     
27
     
13
     
508
     
50,470
     
-
     
50,978
 
Other consumer    
420
     
37
     
28
     
485
     
52,308
     
-
     
52,793
 
                                                         
Total   $
4,111
    $
451
    $
1,632
    $
6,194
    $
408,025
    $
398
    $
414,617
 
 
The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, public information, historical payment experience, credit documentation, and current economic trends, among other factors. The Company classifies loans based on credit risk at least quarterly. The Company uses the following regulatory definitions for risk ratings:
 
Special Mention:
Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses
may
result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.
 
Substandard:
Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are
not
corrected.
 
Doubtful:
Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.
 
Loss:
Loans classified as loss are considered uncollectible and of such little value that their continuance on the institution’s books as an asset is
not
warranted.
 
Loans
not
meeting the criteria above that are analyzed individually as part of the described process are considered to be pass rated loans.
 
The following table presents the recorded investment in loans by risk category as of the date indicated:
 
    Residential
Real Estate
  Land   Construction   Commercial
Real Estate
  Commercial
Business
 
Home Equity
&
2nd Mtg
  Other
Consumer
  Total
    (In thousands)
March 31, 2018
                               
Pass   $
131,433
    $
21,109
    $
25,125
    $
92,367
    $
32,287
    $
50,510
    $
50,966
    $
403,797
 
Special Mention    
395
     
83
     
229
     
1,347
     
786
     
-
     
152
     
2,992
 
Substandard    
778
     
50
     
-
     
1,833
     
73
     
2
     
3
     
2,739
 
Doubtful    
2,277
     
94
     
-
     
104
     
139
     
76
     
-
     
2,690
 
Loss    
-
     
-
     
-
     
-
     
-
     
-
     
-
     
-
 
                                                                 
Total   $
134,883
    $
21,336
    $
25,354
    $
95,651
    $
33,285
    $
50,588
    $
51,121
    $
412,218
 
                                                                 
December 31, 2017                                                                
Pass   $
133,618
    $
18,003
    $
20,173
    $
97,219
    $
33,245
    $
50,919
    $
52,629
    $
405,806
 
Special Mention    
348
     
157
     
861
     
1,362
     
734
     
-
     
161
     
3,623
 
Substandard    
684
     
149
     
-
     
1,620
     
182
     
2
     
3
     
2,640
 
Doubtful    
2,310
     
-
     
-
     
139
     
42
     
57
     
-
     
2,548
 
Loss    
-
     
-
     
-
     
-
     
-
     
-
     
-
     
-
 
                                                                 
Total   $
136,960
    $
18,309
    $
21,034
    $
100,340
    $
34,203
    $
50,978
    $
52,793
    $
414,617
 
 
The following table summarizes the Company’s troubled debt restructurings (TDRs) by accrual status as of
March 31, 2018
and
December 31, 2017:
 
    March 31, 2018   December 31, 2017
    Accruing   Nonaccrual   Total   Related Allowance
for Loan Losses
  Accruing   Nonaccrual   Total   Related Allowance
for Loan Losses
    (In thousands)
Troubled debt restructurings:                                
Residential real estate   $
484
    $
106
    $
590
    $
-
    $
487
    $
106
    $
593
    $
-
 
Commercial real estate    
354
     
-
     
354
     
-
     
356
     
-
     
356
     
-
 
Commercial business    
179
     
-
     
179
     
-
     
-
     
-
     
-
     
-
 
Home equity and 2nd mortgage    
15
     
-
     
15
     
-
     
15
     
-
     
15
     
-
 
                                                                 
Total   $
1,032
    $
106
    $
1,138
    $
-
    $
858
    $
106
    $
964
    $
-
 
 
At
March 31, 2018
and
December 31, 2017,
there were
no
commitments to lend additional funds to debtors whose loan terms have been modified in a TDR.
 
The following table summarizes information in regard to TDRs that were restructured during the
three
months ended
March 31, 2018:
 
    Three months ended March 31, 2018
 
 
 
 
 
 
 
Number of
Contracts
 
 
 
Pre-Modifcation
Outstanding
Balance
 
 
 
Post-Modifcation
Outstanding
Balance
    (Dollars in thousands)
Troubled debt restructurings:                        
Commercial Business    
1
    $
179
    $
179
 
                         
Total    
1
    $
179
    $
179
 
 
For the TDR listed above, the terms of modification included the deferral of contractual principal payments. There were
no
TDRs that were restructured during the
three
months ended
March 31, 2017.
 
There were
no
principal charge-offs recorded as a result of TDRs and there was
no
specific allowance for loan losses related to TDRs modified during the
three
months ended
March 31, 2018
or
2017.
 
There were
no
TDRs modified within the previous
12
months for which there was a subsequent payment default (defined as the loan becoming more than
90
days past due, being moved to nonaccrual status, or the collateral being foreclosed upon) during the
three
months ended
March 31, 2018
and
2017.
In the event that a TDR subsequently defaults, the Company evaluates the restructuring for possible impairment. As a result, the related allowance for loan losses
may
be increased or charge-offs
may
be taken to reduce the carrying amount of the loan.
 
Purchased Credit Impaired (PCI) Loans
 
Purchased loans acquired in a business combination are recorded at estimated fair value on their purchase date with
no
carryover of the related allowance for loan and lease losses. Such loans are accounted for individually or aggregated into pools of loans based on common risk characteristics such as credit score, loan type and date of origination. In determining the estimated fair value of purchased loans or pools, management considers a number of factors including the remaining life, estimated prepayments, estimated loss ratios, estimated value of the underlying collateral, and net present value of cash flows expected to be received, among others. Purchased loans that have evidence of credit deterioration since origination for which it is deemed probable at the date of acquisition that the acquirer will
not
collect all contractually required principal and interest payments are accounted for in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”)
310
-
30.
The difference between contractually required payments and the cash flows expected to be collected at acquisition is referred to as the nonaccretable difference. The difference between the expected cash flows and the fair value at acquisition is recorded as interest income over the remaining life of the loan or pool of loans and is referred to as the accretable yield. Subsequent decreases to the expected cash flows will generally result in a provision for loan losses. Subsequent increases in expected cash flows will result in a reversal of the provision for loan losses to the extent of prior charges and then an adjustment to accretable yield, which is recognized as future interest income.
 
The following table presents the carrying amount of PCI loans accounted for under ASC
310
-
30
at
March 31, 2018
and
December 31, 2017:
 
 

(In thousands)
  March 31,
2018
 
December 31
,

2017
         
Residential real estate   $
353
    $
350
 
Commercial real estate    
47
     
48
 
Carrying amount    
400
     
398
 
Allowance for loan losses    
0
     
2
 
Carrying amount, net of allowance   $
400
    $
396
 
 
The outstanding balance of PCI loans accounted for under ASC
310
-
30,
including contractual principal, interest, fees and penalties was
$617,000
and
$625,000
at
March 31, 2018
and
December 31, 2017,
respectively.
 
There was
no
allowance for loan losses related to PCI loans at
March 31, 2018.
The allowance for loan losses related to PCI loans was
$2,000
at
December 31, 2017.
There was a
$2,000
reduction of the allowance for loan losses related to PCI loans for the
three
-month period ended
March 31, 2018.
There were
no
net provisions for loan losses related to PCI loans for the
three
-month period ended
March 31, 2017.
 
Accretable yield, or income expected to be collected, is as follows for the
three
month periods ended
March 31, 2018
and
2017:
 
    2018   2017
         
Balance at beginning of period   $
470
    $
252
 
New loans purchased    
-
     
-
 
Accretion to income    
(14
)    
(14
)
Disposals and other adjustments    
-
     
-
 
Reclassification from nonaccretable difference    
3
     
6
 
                 
Balance at end of period   $
459
    $
244
 
XML 22 R11.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 4 - Qualified Affordable Housing Project Investment
3 Months Ended
Mar. 31, 2018
Notes to Financial Statements  
Affordable Housing Program [Text Block]
4.
       Qualified Affordable Housing Project Investment
 
On
January 19, 2018,
the Bank entered into an agreement to invest in qualified affordable housing projects through a limited liability company. At
March 31, 2018,
the balance of the Bank’s investment was
$3.9
million and is reflected in other assets on the consolidated balance sheet. The unfunded commitment related to the qualified affordable housing project investment was
$3.5
million at
March 31, 2018
and is reflected in other liabilities on the consolidated balance sheet. The Bank expects to fulfill the commitment as capital calls are made through
2029.
 
The investment is accounted for using the proportional amortization method. During the
three
months ended
March 31, 2018,
the Bank recognized amortization expense of
$82,000,
which was included in income tax expense on the consolidated statement of income. Additionally, during the
three
months ended
March 31, 2018,
the Bank recognized tax credits and other tax benefits from its qualified affordable housing project investment of
$98,000.
XML 23 R12.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 5 - Supplemental Disclosure for Earnings Per Share
3 Months Ended
Mar. 31, 2018
Notes to Financial Statements  
Earnings Per Share [Text Block]
5.
       Supplemental Disclosure for Earnings Per Share
 
    Three Months Ended
March 31,
         
    2018   2017
(Dollars in thousands, exept per share data)        
Basic
       
Earnings:        
Net income attributable to First Capital, Inc.  
$2,133
 
$1,553
                 
Shares:                
Weighted average common shares outstanding    
3,326,464
 
   
3,342,052
 
                 
Net income attributable to First Capital, Inc. per common share, basic   $
0.64
 
  $
0.46
 
                 
Diluted                
Earnings:                
Net income attributable to First Capital, Inc.   $
2,133
 
  $
1,553
 
                 
Shares:                
Weighted average common shares outstanding    
3,326,464
 
   
3,342,052
 
Add: Dilutive effect of restricted stock    
5,671
 
   
5,070
 
                 
Weighted average common shares outstanding, as adjusted    
3,332,135
 
   
3,347,122
 
                 
Net income attributable to First Capital, Inc. per common share, diluted   $
0.64
 
  $
0.46
 
 
Nonvested restricted stock shares are
not
considered as outstanding for purposes of computing weighted average common shares outstanding.
No
shares were excluded from the calculations of diluted net income per share because their effect would be anti-dilutive for the
three
-month periods ended
March 31, 2018
and
2017.
XML 24 R13.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 6 - Stock Option Plan
3 Months Ended
Mar. 31, 2018
Notes to Financial Statements  
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]
6.
       Stock Option Plan
 
On
May 20, 2009,
the Company adopted the
2009
Equity Incentive Plan (the “Plan”). The Plan provides for the award of stock options, restricted stock, performance shares and stock appreciation rights. The aggregate number of shares of the Company’s common stock available for issuance under the Plan
may
not
exceed
223,000
shares.
 
At
March 31, 2018,
184,000
shares of the Company’s common stock were available for issuance under the Plan. The Company
may
grant both non-statutory and statutory stock options which
may
not
have a term exceeding
ten
years. In the case of incentive stock options, the aggregate fair value of the stock (determined at the time the incentive stock option is granted) for which any optionee
may
be granted incentive options which are
first
exercisable during any calendar year shall
not
exceed
$100,000.
Option prices
may
not
be less than the fair market value of the underlying stock at the date of the grant. An award of a performance share is a grant of a right to receive shares of the Company’s common stock which is contingent upon the achievement of specific performance criteria or other objectives set at the grant date. Stock appreciation rights are equity or cash settled share-based compensation arrangements whereby the number of shares that will ultimately be issued or the cash payment is based upon the appreciation of the Company’s common stock. Awards granted under the Plan
may
be granted either alone, in addition to, or in tandem with, any other award granted under the Plan. The terms of the Plan also include provisions whereby all unearned options and restricted shares become immediately exercisable and fully vested upon a change in control.
 
The fair market value of stock options granted is estimated at the date of grant using an option pricing model. Expected volatilities are based on historical volatility of the Company's stock. The expected term of options granted represents the period of time that options are expected to be outstanding and is based on historical trends. The risk free rate for the expected life of the options is based on the U.S. Treasury yield curve in effect at the time of grant. As of
March 31, 2018,
no
stock options had been granted under the Plan.
 
On
February 20, 2018,
the Company granted
20,000
restricted stock shares to directors, officers and key employees at a grant-date price of
$37.42
per share for a total of
$748,000.
The restricted stock vests ratably from the grant date through
July 1, 2023,
with
20%
of the shares vesting each year on
July 1
beginning
July 1, 2019.
On
February 17, 2015,
the Company granted
19,500
restricted stock shares to directors, officers and key employees at a grant-date price of
$24.50
per share for a total of
$478,000
with a similar vesting schedule from
July 1, 2016
through
July 1, 2020.
Compensation expense is measured based on the fair market value of the restricted stock at the grant date and is recognized ratably over the period during which the shares are earned (the vesting period). Compensation expense related to restricted stock recognized for the
three
-month periods ended
March 31, 2018
and
2017
amounted to
$49,000
and
$21,000,
respectively.
 
A summary of the Company’s nonvested restricted shares under the Plan as of
March 31, 2018
and changes during the
three
-month period then ended is presented below.
 
 
 
Number
of
Shares
 
Weighted
Average
Grant Date
Fair Value
Nonvested at January 1, 2018    
10,500
    $
24.50
 
Granted    
20,000
    $
37.42
 
Vested    
-
     
-
 
Forfeited    
-
     
-
 
                 
Nonvested at March 31, 2018    
30,500
    $
32.97
 
 
At
March 31, 2018,
there was
$911,000
of total unrecognized compensation expense related to nonvested restricted shares. The compensation expense is expected to be recognized over the remaining vesting period of
5.25
years.
XML 25 R14.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 7 - Supplemental Disclosures of Cash Flow Information
3 Months Ended
Mar. 31, 2018
Notes to Financial Statements  
Cash Flow, Supplemental Disclosures [Text Block]
7.
       Supplemental Disclosures of Cash Flow Information
 
    Three Months Ended
March 31,
    2018   2017
    (
In thousands
)
Cash payments for:        
Interest   $
351
    $
370
 
Taxes (net of refunds received)    
0
     
0
 
                 
Noncash investing activities:                
Transfers from loans to real estate acquired through foreclosure    
27
     
194
 
XML 26 R15.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 8 - Fair Value Measurements
3 Months Ended
Mar. 31, 2018
Notes to Financial Statements  
Fair Value Disclosures [Text Block]
8.
Fair Value Measurements
 
FASB ASC Topic
820
, Fair Value Measurements,
provides the framework for measuring fair value. That framework provides a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level
1
measurements) and the lowest priority to unobservable inputs (Level
3
measurements). The
three
levels of the fair value hierarchy under FASB ASC Topic
820
are described as follows:
 
  Level
1:
Inputs to the valuation methodology are quoted prices, unadjusted, for identical assets or liabilities in active markets
     
  Level
2:
Inputs to the valuation methodology include quoted market prices for similar assets or liabilities in active markets; quoted market prices for identical or similar assets or liabilities in markets that are
not
active; or inputs that are derived principally from or can be corroborated by observable market data by correlation or other means.
     
  Level
3:
Inputs to the valuation methodology are unobservable and significant to the fair value measurement. Level
3
assets and liabilities include financial instruments whose value is determined using discounted cash flow methodologies, as well as instruments for which the determination of fair value requires significant management judgment or estimation.
 
A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth on the following page. These valuation methodologies were applied to all of the Company’s financial and nonfinancial assets carried at fair value or the lower of cost or fair value. The table below presents the balances of assets measured at fair value on a recurring and nonrecurring basis as of
March 31, 2018
and
December 31, 2017.
The Company had
no
liabilities measured at fair value as of
March 31, 2018
or
December 31, 2017.
 
    Carrying Value
(In thousands)   Level 1   Level 2   Level 3   Total
                 
March 31, 2018                
Assets Measured on a Recurring Basis                
Securities available for sale:                
Agency mortgage-backed securities   $
-
    $
106,745
    $
-
    $
106,745
 
Agency CMO    
-
     
18,249
     
-
     
18,249
 
Agency notes and bonds    
-
     
69,048
     
-
     
69,048
 
Municipal obligations    
-
     
70,801
     
-
     
70,801
 
Total securities available for sale   $
-
    $
264,843
    $
-
    $
264,843
 
                                 
Assets Measured on a Nonrecurring Basis                                
Impaired loans:                                
Residential real estate   $
-
    $
-
    $
2,702
    $
2,702
 
Land    
-
     
-
     
94
     
94
 
Commercial real estate    
-
     
-
     
365
     
365
 
Commercial business    
-
     
-
     
316
     
316
 
Home equity and second mortgage    
-
     
-
     
78
     
78
 
Other consumer    
-
     
-
     
8
     
8
 
Total impaired loans   $
-
    $
-
    $
3,563
    $
3,563
 
                                 
Loans held for sale   $
-
    $
2,141
    $
-
    $
2,141
 
                                 
Foreclosed real estate:                                
Residential real estate   $
-
    $
-
    $
281
    $
281
 
Commercial real estate    
-
     
-
     
3,528
     
3,528
 
Total foreclosed real estate   $
-
    $
-
    $
3,809
    $
3,809
 
                                 
December 31, 2017                                
Assets Measured on a Recurring Basis                                
Securities available for sale:                                
Agency mortgage-backed securities   $
-
    $
112,649
    $
-
    $
112,649
 
Agency CMO    
-
     
15,323
     
-
     
15,323
 
Agency notes and bonds    
-
     
69,028
     
-
     
69,028
 
Municipal obligations    
-
     
74,172
     
-
     
74,172
 
Total securities available for sale   $
-
    $
271,172
    $
-
    $
271,172
 
                                 
Assets Measured on a Nonrecurring Basis                                
Impaired loans:                                
Residential real estate   $
-
    $
-
    $
2,872
    $
2,872
 
Commercial real estate    
-
     
-
     
401
     
401
 
Commercial business    
-
     
-
     
38
     
38
 
Home equity and second mortgage    
-
     
-
     
60
     
60
 
Total impaired loans   $
-
    $
-
    $
3,371
    $
3,371
 
                                 
Loans held for sale   $
-
    $
2,630
    $
-
    $
2,630
 
                                 
Foreclosed real estate:                                
Residential real estate   $
-
    $
-
    $
443
    $
443
 
Commercial real estate    
-
     
-
     
3,528
     
3,528
 
Total foreclosed real estate   $
-
    $
-
    $
3,971
    $
3,971
 
 
Fair value is based upon quoted market prices, where available. If quoted market prices are
not
available, fair value is based on internally developed models or obtained from
third
parties that primarily use, as inputs, observable market-based parameters or a matrix pricing model that employs the Bond Market Association’s standard calculations for cash flow and price/yield analysis and observable market-based parameters. Valuation adjustments
may
be made to ensure that financial instruments are recorded at fair value, or the lower of cost or fair value. These adjustments
may
include unobservable parameters. Any such valuation adjustments have been applied consistently over time. The Company’s valuation methodologies
may
produce a fair value calculation that
may
not
be indicative of net realizable value or reflective of future fair values. While management believes the Company’s valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date.
 
Securities Available for Sale
.
Securities classified as available for sale are reported at fair value on a recurring basis.  These securities are classified as Level
1
of the valuation hierarchy where quoted market prices from reputable
third
-party brokers are available in an active market. If quoted market prices are
not
available, the Company obtains fair value measurements from an independent pricing service.  These securities are reported using Level
2
inputs and the fair value measurements consider observable data that
may
include dealer quotes, market spreads, cash flows, U.S. government and agency yield curves, live trading levels, trade execution data, market consensus prepayment speeds, credit information, and the security’s terms and conditions, among other factors. Changes in fair value of securities available for sale are recorded in other comprehensive income, net of income tax effect.
 
Impaired Loans
.
Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly. The fair value of impaired loans is classified as Level
3
in the fair value hierarchy.
 
Impaired loans are carried at the present value of estimated future cash flows using the loan's effective interest rate or the fair value of collateral less estimated costs to sell if the loan is collateral dependent. At
March 31, 2018
and
December 31, 2017,
all impaired loans were considered to be collateral dependent for the purpose of determining fair value. Collateral
may
be real estate and/or business assets, including equipment, inventory and/or accounts receivable. The fair value of the collateral is generally determined based on real estate appraisals or other independent evaluations by qualified professionals, adjusted for estimated costs to sell the property, costs to complete or repair the property and other factors to reflect management’s estimate of the fair value of the collateral given the current market conditions and the condition of the collateral. At
March 31, 2018
and
December 31, 2017,
the significant unobservable inputs used in the fair value measurement of impaired loans included a discount from appraised value for estimates of changes in market conditions, the condition of the collateral and estimated costs to sell the collateral ranging from
14%
to
62%,
with a weighted average discount of
39%.
The Company recognized provisions for loan losses for impaired loans for the
three
months ended
March 31, 2018
and
March 31, 2017
of
$65,000
and
$2,000,
respectively.
 
Loans Held for Sale
. Loans held for sale are carried at the lower of cost or market value. The portfolio is comprised of residential real estate loans and fair value is based on specific prices of underlying contracts for sales to investors.  These measurements are classified as Level
2.
 
Foreclosed Real Estate
.
Foreclosed real estate is reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly. The fair value of foreclosed real estate is classified as Level
3
in the fair value hierarchy.
 
Foreclosed real estate is reported at fair value less estimated costs to dispose of the property. The fair values are determined by real estate appraisals which are then discounted to reflect management’s estimate of the fair value of the property given current market conditions and the condition of the collateral. At
March 31, 2018,
the significant unobservable inputs used in the fair value measurement of foreclosed real estate included a discount from appraised value for estimates of changes in market conditions, the condition of the collateral and estimated costs to sell the property ranging from
10%
to
76%,
with a weighted average of
44%.
At
December 31, 2017,
the discount from appraised value ranged from
17%
to
75%,
with a weighted average of
45%.
The Company recognized losses of
$228,000
to write down foreclosed real estate for the
three
months ended
March 31, 2017.
There were
no
charges to write down foreclosed real estate recognized in income for the
three
months ended
March 31, 2018.
 
There have been
no
changes in the valuation techniques and related inputs used for assets measured at fair value on a recurring and nonrecurring basis during the
three
month periods ended
March 31, 2018
and
2017.
There were
no
transfers into or out of the Company’s Level
3
financial assets for the
three
month periods ended
March 31, 2018
and
2017
. In addition, there were
no
transfers into or out of Levels
1
and
2
of the fair value hierarchy during the
three
month periods ended
March 31, 2018
and
2017
.
 
GAAP requires disclosure of the fair value of financial assets and financial liabilities, whether or
not
recognized in the balance sheet. In cases where quoted market prices are
not
available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could
not
be realized in immediate settlement of the instruments. Accordingly, the aggregate fair value amounts presented do
not
represent the underlying value of the Company.
The estimated fair values of the Company's financial instruments are as follows:
 
    Carrying   Fair   Fair Value Measurements Using
(In thousands)   Value   Value   Level 1   Level 2   Level 3
                     
March 31, 2018                    
Financial assets:                    
Cash and cash equivalents   $
39,485
    $
39,485
    $
39,485
    $
-
    $
-
 
Interest-bearing time deposits    
8,019
     
7,944
     
-
     
7,944
     
-
 
Securities available for sale    
264,843
     
264,843
     
-
     
264,843
     
-
 
Loans held for sale    
2,141
     
2,186
     
-
     
2,186
     
-
 
Loans, net    
407,279
     
402,059
     
-
     
-
     
402,059
 
FHLB and other stock    
1,979
     
 N/A 
     
 N/A 
     
 N/A 
     
 N/A 
 
Accrued interest receivable    
2,650
     
2,650
     
-
     
2,650
     
-
 
                                         
Financial liabilities:                                        
Deposits    
681,571
     
679,700
     
-
     
-
     
679,700
 
Accrued interest payable    
98
     
98
     
-
     
98
     
-
 
                                         
December 31, 2017:                                        
Financial assets:                                        
Cash and cash equivalents   $
25,915
    $
25,915
    $
25,915
    $
-
    $
-
 
Interest-bearing time deposits    
9,258
     
9,220
     
-
     
9,220
     
-
 
Securities available for sale    
271,172
     
271,172
     
-
     
271,172
     
-
 
Securities held to maturity    
1
     
1
     
-
     
1
     
-
 
Loans held for sale    
2,630
     
2,678
     
-
     
2,678
     
-
 
Loans, net    
409,618
     
404,931
     
-
     
-
     
404,931
 
FHLB and other stock    
1,979
     
 N/A 
     
 N/A 
     
 N/A 
     
 N/A 
 
Accrued interest receivable    
2,694
     
2,694
     
-
     
2,694
     
-
 
                                         
Financial liabilities:                                        
Deposits    
664,562
     
663,006
     
-
     
-
     
663,006
 
FHLB Advances    
10,000
     
10,000
     
-
     
10,000
     
-
 
Accrued interest payable    
107
     
107
     
-
     
107
     
-
 
XML 27 R16.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 9 - Revenue from Contracts with Customers
3 Months Ended
Mar. 31, 2018
Notes to Financial Statements  
Revenue from Contract with Customer [Text Block]
9.
Revenue from Contracts with Customers
 
As of
January 1, 2018,
the Company adopted Accounting Standards Update (“ASU”)
No.
2014
-
09,
Revenue from Contracts with Customers (Topic
606
),
using the modified retrospective approach. The adoption of the ASU had
no
material impact on the measurement or recognition of revenue; however, additional disclosures have been added in accordance with the ASU. See Note
10
for additional information on this new accounting standard.
 
All of the Company’s revenue from contracts with customers in the scope of FASB ASC
606
is recognized within noninterest income. The following table presents the Company’s sources of noninterest income for the
three
months ended
March 31, 2018
and
2017:
 
    2018   2017
         
Service charges on deposit accounts   $
1,109
    $
1,001
 
Investment advisory income    
88
     
114
 
Revenue from contracts with customers    
1,197
     
1,115
 
                 
Gain on sale of loans and securities    
241
     
257
 
Increase in cash value of life insurance    
43
     
41
 
Other    
45
     
40
 
Other noninterest income    
329
     
338
 
                 
Total noninterest income   $
1,526
    $
1,453
 
 
A description of the Company’s revenue streams accounted for under FASB ASC
606
follows:
 
Service Charges on Deposit Accounts
: The Company earns fees from its deposit customers for transaction-based, account maintenance, and overdraft services. Transaction-based fees, which include services such as ATM use fees, stop payment charges, statement rendering, and ACH fees, are recognized at the time the transaction is executed as that is the point in time the Company fulfills the customer's request. Account maintenance fees, which relate primarily to monthly maintenance, are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Overdraft fees are recognized at the point in time that the overdraft occurs. Service charges on deposits are withdrawn from the customer's account balance.
 
Interchange Income
: The Company earns interchange fees from debit cardholder transactions conducted through a payment network. Interchange fees from cardholder transactions represent a percentage of the underlying transaction value and are recognized daily, concurrently with the transaction processing services provided to the cardholder. Interchange income is included in service charges on deposit accounts.
 
Investment Advisory Income
: The Company earns trust, insurance commissions, brokerage commissions and annuities income from its contracts with trust customers to manage assets for investment, and/or to transact on their accounts. These fees are primarily earned over time as the Company provides the contracted monthly or quarterly services and are generally assessed based on a tiered scale of the market value of assets under management (AUM) at month-end. Fees that are transaction based, including trade execution services, are recognized at the point in time that the transaction is executed (i.e., the trade date). Other related fees, which are based on a fixed fee schedule, are recognized when the services are rendered.
XML 28 R17.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 10 - Recent Accounting Pronouncements
3 Months Ended
Mar. 31, 2018
Notes to Financial Statements  
New Accounting Pronouncements and Changes in Accounting Principles [Text Block]
10.
Recent Accounting Pronouncements
 
The following are summaries of recently issued or adopted accounting pronouncements that impact the accounting and reporting practices of the Company:
 
In
May 2014,
the FASB issued ASU
No.
2014
-
09,
Revenue from Contracts with Customers (Topic
606
)
. The update provides a
five
-step revenue recognition model for all revenue arising from contracts with customers and affects all entities that enter into contracts to provide goods or services to their customers (unless the contracts are included in the scope of other standards). The guidance requires an entity to recognize the revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods and services. For public entities, the guidance was originally to be effective for annual reporting periods beginning after
December 15, 2016,
including interim periods within that reporting period. However, with the issuance of ASU
No.
2015
-
14
in
August 2015,
the FASB deferred the effective date of ASU
No.
2014
-
09
by
one
year for all entities, making the amendments effective for public entities for annual reporting periods beginning after
December 15, 2017,
including interim periods within those reporting periods. The adoption of this update as of
January 1, 2018
did
not
have a material impact on the Company’s consolidated financial position or results of operations. See Note
9
for further discussion.
 
In
January 2016,
the FASB issued ASU
No.
2016
-
01,
Financial Instruments – Overall (Subtopic
825
-
10
) – Recognition and Measurement of Financial Assets and Financial Liabilities
. The guidance addresses certain aspects of recognition, measurement, presentation and disclosure of financial instruments. In particular, the guidance revises an entity’s accounting related to (
1
) the classification and measurement of investments in equity securities and (
2
) the presentation of certain fair value changes for financial liabilities measured at fair value. The guidance also amends certain disclosure requirements associated with fair value of financial instruments. For public business entities, the guidance is effective for fiscal years beginning after
December 15, 2017,
including interim periods within those fiscal years. Entities should apply the amendments by means of a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. The adoption of this update as of
January 1, 2018
did
not
have a material impact on the Company’s consolidated financial position or results of operations.
 
In
February 2016,
the FASB issued ASU
No.
2016
-
02,
Leases (Topic
842
)
. The guidance supersedes existing guidance on accounting for leases with the main difference being that operating leases are to be recorded in the statement of financial position as right-of-use assets and lease liabilities, initially measured at the present value of the lease payments. For operating leases with a term of
12
months or less, a lessee is permitted to make an accounting policy election
not
to recognize lease assets and liabilities. For public business entities, the guidance is effective for fiscal years beginning after
December 15, 2018,
including interim periods within those fiscal years. Early application of the guidance is permitted. In transition, entities are required to recognize and measure leases at the beginning of the earliest period presented using a modified retrospective approach. Management is evaluating the new guidance, but does
not
expect the adoption of this update to have a material impact on the Company’s consolidated financial position or results of operations.
 
In
June 2016,
the FASB issued ASU
No.
2016
-
13,
Financial Instruments – Credit Losses (Topic
326
)
. The update replaces the incurred loss methodology for recognizing credit losses under current GAAP with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. Under the new guidance, an entity will measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable and supportable forecasts. The expected loss model will apply to loans and leases, unfunded lending commitments, held-to-maturity debt securities and other debt instruments measured at amortized cost. The impairment model for available-for-sale debt securities will require the recognition of credit losses through a valuation allowance when fair value is less than amortized cost, regardless of whether the impairment is considered to be other-than-temporary. For the Company, the amendments in the update are effective for fiscal years beginning after
December 15, 2019,
including interim periods within those fiscal years. Early adoption is permitted as of fiscal years beginning after
December 15, 2018,
including interim periods within those fiscal years. The Company is currently assessing the impact the guidance will have upon adoption, but management expects to recognize a
one
-time cumulative-effect adjustment to the allowance for loan losses as of the beginning of the
first
reporting period in which the new standard is effective. In planning for the implementation of ASU
2016
-
13,
the Company has formed a current expected credit loss (“CECL”) implementation team consisting of members of senior management that meets on a periodic basis and is currently evaluating software solutions, data requirements and loss methodologies.
 
In
August 2016,
the FASB issued ASU
No.
2016
-
15,
Statement of Cash Flows (Topic
230
) – Classification of Certain Cash Receipts and Cash Payments
. The update addresses
eight
specific cash flow issues with the objective of reducing diversity in practice in how certain cash receipts and cash payments are presented and classified in the statement of cash flows. The amendments in the update are effective for public business entities for fiscal years beginning after
December 15, 2017,
and interim periods within those fiscal years. Early adoption is permitted, including adoption in an interim period. If an entity adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period, and all amendments must be adopted in the same period. The adoption of this update is
not
expected to have a material impact on the Company’s consolidated financial position or results of operations.
 
In
March 2017,
the FASB issued ASU
No.
2017
-
08,
Receivables – Nonrefundable Fees and Other Costs (Subtopic
310
-
20
) – Premium Amortization on Purchased Callable Debt Securities
. The update shortens the amortization period for certain callable debt securities held at a premium. Specifically, the update requires the premium to be amortized to the earliest call date. The update does
not
require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. The amendments in the update are effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after
December 15, 2018.
Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity should apply the amendments in this update on a modified retrospective basis through a cumulative-effect adjustment directly to retained earnings as of the beginning of the period of adoption. Additionally, in the period of adoption, an entity should provide disclosures about a change in accounting principle. The adoption of this update is
not
expected to have a material impact on the Company’s consolidated financial position or results of operations.
XML 29 R18.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 2 - Investment Securities (Tables)
3 Months Ended
Mar. 31, 2018
Notes Tables  
Marketable Securities [Table Text Block]
(In thousands)
  Amortized
Cost
  Gross
Unrealized
Gains
  Gross
Unrealized
Losses
  Fair
Value
                 
March 31, 2018
               
Securities available for sale:                
Agency mortgage-backed securities   $
111,090
    $
-
    $
4,345
    $
106,745
 
Agency CMO    
18,720
     
-
     
471
     
18,249
 
Other debt securities:                                
Agency notes and bonds    
70,495
     
-
     
1,447
     
69,048
 
Municipal obligations    
71,198
     
743
     
1,140
     
70,801
 
                                 
Total securities available for sale   $
271,503
    $
743
    $
7,403
    $
264,843
 
                                 
December 31, 2017                                
Securities available for sale:                                
Agency mortgage-backed securities   $
114,902
    $
-
    $
2,253
    $
112,649
 
Agency CMO    
15,660
     
1
     
338
     
15,323
 
Other debt securities:                                
Agency notes and bonds    
70,013
     
-
     
985
     
69,028
 
Municipal obligations    
73,303
     
1,274
     
405
     
74,172
 
                                 
Total securities available for sale   $
273,878
    $
1,275
    $
3,981
    $
271,172
 
                                 
Securities held to maturity:                                
Agency mortgage-backed securities   $
1
    $
-
    $
-
    $
1
 
                                 
Total securities held to maturity   $
1
    $
-
    $
-
    $
1
 
Investments Classified by Contractual Maturity Date [Table Text Block]
    Securities Available for Sale
    Amortized
Cost
  Fair
Value
(In thousands)        
         
Due in one year or less   $
15,335
    $
15,241
 
Due after one year through five years    
64,630
     
63,251
 
Due after five years through ten years    
32,072
     
31,459
 
Due after ten years    
29,656
     
29,898
 
     
141,693
     
139,849
 
Mortgage-backed securities and CMO    
129,810
     
124,994
 
                 
    $
271,503
    $
264,843
 
Schedule of Unrealized Loss on Investments [Table Text Block]
 
 
 
 
 
 
Number of
Investment
Positions
 
 
 
 
Fair
Value
 
 
 
Gross
Unrealized
Losses
(Dollars in thousands)            
             
Continuous loss position less than twelve months:            
Agency mortgage-backed securities    
36
    $
31,683
    $
962
 
Agency CMO    
7
     
2,948
     
77
 
Agency notes and bonds    
4
     
11,047
     
132
 
Muncipal obligations    
41
     
21,667
     
502
 
                         
Total less than twelve months    
88
     
67,345
     
1,673
 
                         
Continuous loss position more than twelve months:                        
Agency mortgage-backed securities    
63
     
75,048
     
3,383
 
Agency CMO    
18
     
11,150
     
394
 
Agency notes and bonds    
19
     
57,501
     
1,315
 
Muncipal obligations    
29
     
14,284
     
638
 
                         
Total more than twelve months    
129
     
157,983
     
5,730
 
                         
Total securities available for sale    
217
    $
225,328
    $
7,403
 
 
 
 
 
 
 
Number of
Investment
Positions
 
 
 
 
Fair
Value
 
 
 
Gross
Unrealized
Losses
(Dollars in thousands)            
             
Continuous loss position less than twelve months:            
Agency mortgage-backed securities    
37
    $
37,570
    $
400
 
Agency CMO    
6
     
3,036
     
38
 
Agency notes and bonds    
4
     
11,119
     
69
 
Muncipal obligations    
20
     
10,955
     
83
 
                         
Total less than twelve months    
67
     
62,680
     
590
 
                         
Continuous loss position more than twelve months:                        
Agency mortgage-backed securities    
60
     
74,960
     
1,853
 
Agency CMO    
18
     
11,801
     
300
 
Agency notes and bonds    
19
     
57,909
     
916
 
Muncipal obligations    
29
     
14,667
     
322
 
                         
Total more than twelve months    
126
     
159,337
     
3,391
 
                         
Total securities available for sale    
193
    $
222,017
    $
3,981
 
XML 30 R19.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 3 - Loans and Allowance for Loan Losses (Tables)
3 Months Ended
Mar. 31, 2018
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
(In thousands)
  March 31,
2018
  December 31,
2017
         
Real estate mortgage loans:        
Residential   $
134,298
    $
136,399
 
Land    
21,248
     
18,198
 
Residential construction    
31,207
     
28,854
 
Commercial real estate    
95,471
     
100,133
 
Commercial real estate contruction    
13,261
     
17,161
 
Commercial business loans    
33,186
     
34,114
 
Consumer loans:                
Home equity and second mortgage loans    
49,423
     
49,802
 
Automobile loans    
38,809
     
38,361
 
Loans secured by savings accounts    
1,294
     
1,751
 
Unsecured loans    
3,553
     
3,744
 
Other consumer loans    
7,275
     
8,714
 
Gross loans    
429,025
     
437,231
 
Less undisbursed portion of loans in process    
(19,155
)    
(25,020
)
                 
Principal loan balance    
409,870
     
412,211
 
                 
Deferred loan origination fees, net    
1,040
     
1,041
 
Allowance for loan losses    
(3,631
)    
(3,634
)
                 
Loans, net   $
407,279
    $
409,618
 
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]
 
 
Residential
Real Estate
 
Land
 
Construction
 
Commercial
Real Estate
 
Commercial
Business
 
Home Equity
&
2nd Mtg
 
Other
Consumer
 
Total
 
 
(In thousands)
Ending allowance balance attributable to loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
 
$
101
 
 
$
-
 
 
$
-
 
 
$
-
 
 
$
3
 
 
$
13
 
 
$
-
 
 
$
117
 
Collectively evaluated for impairment
 
 
200
 
 
 
156
 
 
 
291
 
 
 
1,520
 
 
 
273
 
 
 
667
 
 
 
407
 
 
 
3,514
 
Acquired with deteriorated credit quality
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
-
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending balance
 
$
301
 
 
$
156
 
 
$
291
 
 
$
1,520
 
 
$
276
 
 
$
680
 
 
$
407
 
 
$
3,631
 
    Residential
Real Estate
  Land   Construction   Commercial
Real Estate
  Commercial
Business
 
Home Equity
&
2nd Mtg
  Other
Consumer
  Total
    (In thousands)
Ending allowance balance attributable to loans:
 
 
 
 
 
 
 
 
 
 
 
 
                                 
Individually evaluated for
impairment
  $
35
    $
-
    $
-
    $
-
    $
4
    $
13
    $
-
    $
52
 
Collectively evaluated for
impairment
   
182
     
133
     
245
     
1,622
     
287
     
697
     
414
     
3,580
 
Acquired with deteriorated
credit quality
   
2
     
-
     
-
     
-
     
-
     
-
     
-
     
2
 
                                                                 
Ending balance   $
219
    $
133
    $
245
    $
1,622
    $
291
    $
710
    $
414
    $
3,634
 
 
 
Residential
Real Estate
 
Land
 
Construction
 
Commercial
Real Estate
 
Commercial
Business
 
Home Equity
&
2nd Mtg
 
Other
Consumer
 
Total
 
 
(In thousands)
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
219
 
 
$
133
 
 
$
245
 
 
$
1,622
 
 
$
291
 
 
$
710
 
 
$
414
 
 
$
3,634
 
Provisions for loan losses
 
 
139
 
 
 
23
 
 
 
46
 
 
 
(110
)
 
 
(15
)
 
 
(33
)
 
 
147
 
 
 
197
 
Charge-offs
 
 
(60
)
 
 
-
 
 
 
-
 
 
 
-
 
 
 
(1
)
 
 
-
 
 
 
(196
)
 
 
(257
)
Recoveries
 
 
3
 
 
 
-
 
 
 
-
 
 
 
8
 
 
 
1
 
 
 
3
 
 
 
42
 
 
 
57
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending balance
 
$
301
 
 
$
156
 
 
$
291
 
 
$
1,520
 
 
$
276
 
 
$
680
 
 
$
407
 
 
$
3,631
 
 
 
Residential
Real Estate
 
Land
 
Construction
 
Commercial
Real Estate
 
Commercial
Business
 
Home Equity
&
2nd Mtg
 
Other
Consumer
 
Total
 
 
(In thousands)
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
 
$
380
 
 
$
56
 
 
$
80
 
 
$
1,670
 
 
$
198
 
 
$
683
 
 
$
319
 
 
$
3,386
 
Provisions for loan losses
 
 
(85
)
 
 
53
 
 
 
143
 
 
 
(128
)
 
 
85
 
 
 
14
 
 
 
129
 
 
 
211
 
Charge-offs
 
 
(40
)
 
 
-
 
 
 
-
 
 
 
(1
)
 
 
(43
)
 
 
-
 
 
 
(204
)
 
 
(288
)
Recoveries
 
 
16
 
 
 
-
 
 
 
-
 
 
 
44
 
 
 
4
 
 
 
1
 
 
 
44
 
 
 
109
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending balance
 
$
271
 
 
$
109
 
 
$
223
 
 
$
1,585
 
 
$
244
 
 
$
698
 
 
$
288
 
 
$
3,418
 
Impaired Financing Receivables [Table Text Block]
    At March 31, 2018   Three Months Ended March 31, 2018   Three Months Ended March 31, 2017
    Recorded
Investment
  Unpaid
Principal
Balance
  Related
Allowance
  Average
Recorded
Investment
  Interest
Income
Recognized
  Average
Recorded
Investment
  Interest
Income
Recognized
    (In thousands)
Loans with no related allowance recorded:                                                        
Residential   $
2,525
    $
2,760
    $
-
    $
2,610
    $
7
    $
2,010
    $
8
 
Land    
94
     
95
     
-
     
47
     
-
     
-
     
-
 
Construction    
-
     
-
     
-
     
-
     
-
     
-
     
-
 
Commercial real estate    
365
     
363
     
-
     
383
     
5
     
1,150
     
3
 
Commercial business    
291
     
292
     
-
     
152
     
4
     
74
     
-
 
Home equity/2nd mortgage    
78
     
86
     
-
     
69
     
-
     
230
     
-
 
Other consumer    
8
     
8
     
-
     
4
     
-
     
6
     
-
 
                                                         
     
3,361
     
3,604
     
-
     
3,265
     
16
     
3,470
     
11
 
                                                         
Loans with an allowance recorded:                                                        
Residential    
278
     
285
     
101
     
245
     
-
     
150
     
-
 
Land    
-
     
-
     
-
     
-
     
-
     
-
     
-
 
Construction    
-
     
-
     
-
     
-
     
-
     
-
     
-
 
Commercial real estate    
-
     
-
     
-
     
-
     
-
     
-
     
-
 
Commercial business    
28
     
30
     
3
     
29
     
-
     
59
     
-
 
Home equity/2nd mortgage    
13
     
13
     
13
     
13
     
-
     
13
     
-
 
Other consumer    
-
     
-
     
-
     
-
     
-
     
18
     
-
 
                                                         
     
319
     
328
     
117
     
287
     
-
     
240
     
-
 
                                                         
Total:                                                        
Residential    
2,803
     
3,045
     
101
     
2,855
     
7
     
2,160
     
8
 
Land    
94
     
95
     
-
     
47
     
-
     
-
     
-
 
Construction    
-
     
-
     
-
     
-
     
-
     
-
     
-
 
Commercial real estate    
365
     
363
     
-
     
383
     
5
     
1,150
     
3
 
Commercial business    
319
     
322
     
3
     
181
     
4
     
133
     
-
 
Home equity/2nd mortgage    
91
     
99
     
13
     
82
     
-
     
243
     
-
 
Other consumer    
8
     
8
     
-
     
4
     
-
     
24
     
-
 
                                                         
    $
3,680
    $
3,932
    $
117
    $
3,552
    $
16
    $
3,710
    $
11
 
 
 
 
 
 
 
 
Recorded
Investment
 
 
 
Unpaid
Principal
Balance
 
 
 
 
Related
Allowance
    (In thousands)
Loans with no related allowance recorded:
       
Residential   $
2,695
    $
2,948
    $
-
 
Land    
-
     
-
     
-
 
Construction    
-
     
-
     
-
 
Commercial real estate    
401
     
535
     
-
 
Commercial business    
12
     
12
     
-
 
Home equity/2nd mortgage    
60
     
68
     
-
 
Other consumer    
-
     
-
     
-
 
                         
     
3,168
     
3,563
     
-
 
                         
Loans with an allowance recorded:                        
Residential    
212
     
218
     
35
 
Land    
-
     
-
     
-
 
Construction    
-
     
-
     
-
 
Commercial real estate    
-
     
-
     
-
 
Commercial business    
30
     
30
     
4
 
Home equity/2nd mortgage    
13
     
13
     
13
 
Other consumer    
-
     
-
     
-
 
                         
     
255
     
261
     
52
 
                         
Total:                        
Residential    
2,907
     
3,166
     
35
 
Land    
-
     
-
     
-
 
Construction    
-
     
-
     
-
 
Commercial real estate    
401
     
535
     
-
 
Commercial business    
42
     
42
     
4
 
Home equity/2nd mortgage    
73
     
81
     
13
 
Other consumer    
-
     
-
     
-
 
                         
    $
3,423
    $
3,824
    $
52
 
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]
    March 31, 2018   December 31, 2017
     
Nonaccrual
Loans
  Loans 90+ Days
Past Due
Still Accruing
  Total
Nonperforming
Loans
 
Nonaccrual
Loans
  Loans 90+ Days
Past Due
Still Accruing
  Total
Nonperforming
Loans
    (In thousands)
                         
Residential   $
2,262
    $
100
    $
2,362
    $
2,298
    $
109
    $
2,407
 
Land    
94
     
-
     
94
     
-
     
95
     
95
 
Construction    
-
     
-
     
-
     
-
     
-
     
-
 
Commercial real estate    
104
     
-
     
104
     
139
     
-
     
139
 
Commercial business    
139
     
66
     
205
     
42
     
59
     
101
 
Home equity/2nd mortgage    
76
     
-
     
76
     
57
     
-
     
57
 
Other consumer    
-
     
13
     
13
     
-
     
28
     
28
 
                                                 
Total   $
2,675
    $
179
    $
2,854
    $
2,536
    $
291
    $
2,827
 
Past Due Financing Receivables [Table Text Block]
 
 
 
 
 
 
 
30-59 Days
Past Due
 
 
 
 
60-89 Days
Past Due
 
 
 
 
90 Days or More
Past Due
 
 
 
 
Total
Past Due
 
 
 
 
 
Current
 
 
 
Purchased
Credit
Impaired Loans
 
 
 
 
Total
Loans
    (In thousands)
                             
Residential   $
2,108
    $
155
    $
1,473
    $
3,736
    $
130,794
    $
353
    $
134,883
 
Land    
381
     
-
     
94
     
475
     
20,861
     
-
     
21,336
 
Construction    
-
     
-
     
-
     
-
     
25,354
     
-
     
25,354
 
Commercial real estate    
-
     
233
     
104
     
337
     
95,267
     
47
     
95,651
 
Commercial business    
156
     
-
     
124
     
280
     
33,005
     
-
     
33,285
 
Home equity/2nd mortgage    
152
     
1
     
13
     
166
     
50,422
     
-
     
50,588
 
Other consumer    
249
     
15
     
13
     
277
     
50,844
     
-
     
51,121
 
                                                         
Total   $
3,046
    $
404
    $
1,821
    $
5,271
    $
406,547
    $
400
    $
412,218
 
    30-59 Days
Past Due
  60-89 Days
Past Due
  90 Days or More
Past Due
  Total
Past Due
  Current   Purchased
Credit
Impaired Loans
  Total
Loans
    (In thousands)
                             
Residential   $
2,612
    $
338
    $
1,255
    $
4,205
    $
132,405
    $
350
    $
136,960
 
Land    
186
     
-
     
95
     
281
     
18,028
     
-
     
18,309
 
Construction    
-
     
-
     
-
     
-
     
21,034
     
-
     
21,034
 
Commercial real estate    
379
     
-
     
139
     
518
     
99,774
     
48
     
100,340
 
Commercial business    
46
     
49
     
102
     
197
     
34,006
     
-
     
34,203
 
Home equity/2nd mortgage    
468
     
27
     
13
     
508
     
50,470
     
-
     
50,978
 
Other consumer    
420
     
37
     
28
     
485
     
52,308
     
-
     
52,793
 
                                                         
Total   $
4,111
    $
451
    $
1,632
    $
6,194
    $
408,025
    $
398
    $
414,617
 
Financing Receivable Credit Quality Indicators [Table Text Block]
    Residential
Real Estate
  Land   Construction   Commercial
Real Estate
  Commercial
Business
 
Home Equity
&
2nd Mtg
  Other
Consumer
  Total
    (In thousands)
March 31, 2018
                               
Pass   $
131,433
    $
21,109
    $
25,125
    $
92,367
    $
32,287
    $
50,510
    $
50,966
    $
403,797
 
Special Mention    
395
     
83
     
229
     
1,347
     
786
     
-
     
152
     
2,992
 
Substandard    
778
     
50
     
-
     
1,833
     
73
     
2
     
3
     
2,739
 
Doubtful    
2,277
     
94
     
-
     
104
     
139
     
76
     
-
     
2,690
 
Loss    
-
     
-
     
-
     
-
     
-
     
-
     
-
     
-
 
                                                                 
Total   $
134,883
    $
21,336
    $
25,354
    $
95,651
    $
33,285
    $
50,588
    $
51,121
    $
412,218
 
                                                                 
December 31, 2017                                                                
Pass   $
133,618
    $
18,003
    $
20,173
    $
97,219
    $
33,245
    $
50,919
    $
52,629
    $
405,806
 
Special Mention    
348
     
157
     
861
     
1,362
     
734
     
-
     
161
     
3,623
 
Substandard    
684
     
149
     
-
     
1,620
     
182
     
2
     
3
     
2,640
 
Doubtful    
2,310
     
-
     
-
     
139
     
42
     
57
     
-
     
2,548
 
Loss    
-
     
-
     
-
     
-
     
-
     
-
     
-
     
-
 
                                                                 
Total   $
136,960
    $
18,309
    $
21,034
    $
100,340
    $
34,203
    $
50,978
    $
52,793
    $
414,617
 
Troubled Debt Restructurings on Financing Receivables [Table Text Block]
    March 31, 2018   December 31, 2017
    Accruing   Nonaccrual   Total   Related Allowance
for Loan Losses
  Accruing   Nonaccrual   Total   Related Allowance
for Loan Losses
    (In thousands)
Troubled debt restructurings:                                
Residential real estate   $
484
    $
106
    $
590
    $
-
    $
487
    $
106
    $
593
    $
-
 
Commercial real estate    
354
     
-
     
354
     
-
     
356
     
-
     
356
     
-
 
Commercial business    
179
     
-
     
179
     
-
     
-
     
-
     
-
     
-
 
Home equity and 2nd mortgage    
15
     
-
     
15
     
-
     
15
     
-
     
15
     
-
 
                                                                 
Total   $
1,032
    $
106
    $
1,138
    $
-
    $
858
    $
106
    $
964
    $
-
 
Schedule of Troubled Debt Restructurings [Table Text Block]
    Three months ended March 31, 2018
 
 
 
 
 
 
 
Number of
Contracts
 
 
 
Pre-Modifcation
Outstanding
Balance
 
 
 
Post-Modifcation
Outstanding
Balance
    (Dollars in thousands)
Troubled debt restructurings:                        
Commercial Business    
1
    $
179
    $
179
 
                         
Total    
1
    $
179
    $
179
 
Schedule of Purchased Credit Impaired Loans [Table Text Block]
 

(In thousands)
  March 31,
2018
 
December 31
,

2017
         
Residential real estate   $
353
    $
350
 
Commercial real estate    
47
     
48
 
Carrying amount    
400
     
398
 
Allowance for loan losses    
0
     
2
 
Carrying amount, net of allowance   $
400
    $
396
 
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Table Text Block]
    2018   2017
         
Balance at beginning of period   $
470
    $
252
 
New loans purchased    
-
     
-
 
Accretion to income    
(14
)    
(14
)
Disposals and other adjustments    
-
     
-
 
Reclassification from nonaccretable difference    
3
     
6
 
                 
Balance at end of period   $
459
    $
244
 
Financing Receivable [Member]  
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
    Residential
Real Estate
  Land   Construction   Commercial
Real Estate
  Commercial
Business
 
Home Equity
&
2nd Mtg
  Other
Consumer
  Total
    (In thousands)
Recorded Investment in Loans:
                               
Principal loan balance   $
134,298
    $
21,248
    $
25,313
    $
95,471
    $
33,186
    $
49,423
    $
50,931
    $
409,870
 
                                                                 
Accrued interest receivable    
494
     
72
     
48
     
221
     
98
     
185
     
190
     
1,308
 
                                                                 
Net deferred loan origination fees and costs    
91
     
16
     
(7
)    
(41
)    
1
     
980
     
-
     
1,040
 
                                                                 
Recorded investment in loans   $
134,883
    $
21,336
    $
25,354
    $
95,651
    $
33,285
    $
50,588
    $
51,121
    $
412,218
 
                                                                 
                                                                 
Recorded Investment in Loans as Evaluated for Impairment:                                                                
Individually evaluated for impairment   $
2,803
    $
94
    $
-
    $
365
    $
319
    $
91
    $
8
    $
3,680
 
Collectively evaluated for impairment    
131,727
     
21,242
     
25,354
     
95,239
     
32,966
     
50,497
     
51,113
     
408,138
 
Acquired with deteriorated credit quality    
353
     
-
     
-
     
47
     
-
     
-
     
-
     
400
 
                                                                 
Ending balance   $
134,883
    $
21,336
    $
25,354
    $
95,651
    $
33,285
    $
50,588
    $
51,121
    $
412,218
 
    Residential
Real Estate
  Land   Construction   Commercial
Real Estate
  Commercial
Business
  Home Equity
&
2nd Mtg
  Other
Consumer
  Total
    (In thousands)
Recorded Investment in Loans:
                               
Principal loan balance   $
136,399
    $
18,198
    $
20,995
    $
100,133
    $
34,114
    $
49,802
    $
52,570
    $
412,211
 
                                                                 
Accrued interest receivable    
474
     
94
     
49
     
249
     
87
     
189
     
223
     
1,365
 
                                                                 
Net deferred loan origination                                                                
fees and costs    
87
     
17
     
(10
)    
(42
)    
2
     
987
     
-
     
1,041
 
                                                                 
Recorded investment in loans   $
136,960
    $
18,309
    $
21,034
    $
100,340
    $
34,203
    $
50,978
    $
52,793
    $
414,617
 
                                                                 
                                                                 
Recorded Investment in Loans as Evaluated for Impairment:                                                                
Individually evaluated for impairment   $
2,907
    $
-
    $
-
    $
401
    $
42
    $
73
    $
-
    $
3,423
 
Collectively evaluated for impairment    
133,703
     
18,309
     
21,034
     
99,891
     
34,161
     
50,905
     
52,793
     
410,796
 
Acquired with deteriorated credit quality    
350
     
-
     
-
     
48
     
-
     
-
     
-
     
398
 
                                                                 
Ending balance   $
136,960
    $
18,309
    $
21,034
    $
100,340
    $
34,203
    $
50,978
    $
52,793
    $
414,617
 
XML 31 R20.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 5 - Supplemental Disclosure for Earnings Per Share (Tables)
3 Months Ended
Mar. 31, 2018
Notes Tables  
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]
    Three Months Ended
March 31,
         
    2018   2017
(Dollars in thousands, exept per share data)        
Basic
       
Earnings:        
Net income attributable to First Capital, Inc.  
$2,133
 
$1,553
                 
Shares:                
Weighted average common shares outstanding    
3,326,464
 
   
3,342,052
 
                 
Net income attributable to First Capital, Inc. per common share, basic   $
0.64
 
  $
0.46
 
                 
Diluted                
Earnings:                
Net income attributable to First Capital, Inc.   $
2,133
 
  $
1,553
 
                 
Shares:                
Weighted average common shares outstanding    
3,326,464
 
   
3,342,052
 
Add: Dilutive effect of restricted stock    
5,671
 
   
5,070
 
                 
Weighted average common shares outstanding, as adjusted    
3,332,135
 
   
3,347,122
 
                 
Net income attributable to First Capital, Inc. per common share, diluted   $
0.64
 
  $
0.46
 
XML 32 R21.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 6 - Stock Option Plan (Tables)
3 Months Ended
Mar. 31, 2018
Notes Tables  
Schedule of Nonvested Restricted Stock Units Activity [Table Text Block]
 
 
Number
of
Shares
 
Weighted
Average
Grant Date
Fair Value
Nonvested at January 1, 2018    
10,500
    $
24.50
 
Granted    
20,000
    $
37.42
 
Vested    
-
     
-
 
Forfeited    
-
     
-
 
                 
Nonvested at March 31, 2018    
30,500
    $
32.97
 
XML 33 R22.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 7 - Supplemental Disclosures of Cash Flow Information (Tables)
3 Months Ended
Mar. 31, 2018
Notes Tables  
Schedule of Cash Flow, Supplemental Disclosures [Table Text Block]
    Three Months Ended
March 31,
    2018   2017
    (
In thousands
)
Cash payments for:        
Interest   $
351
    $
370
 
Taxes (net of refunds received)    
0
     
0
 
                 
Noncash investing activities:                
Transfers from loans to real estate acquired through foreclosure    
27
     
194
 
XML 34 R23.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 8 - Fair Value Measurements (Tables)
3 Months Ended
Mar. 31, 2018
Notes Tables  
Fair Value, Assets Measured on Recurring and Nonrecurring Basis [Table Text Block]
    Carrying Value
(In thousands)   Level 1   Level 2   Level 3   Total
                 
March 31, 2018                
Assets Measured on a Recurring Basis                
Securities available for sale:                
Agency mortgage-backed securities   $
-
    $
106,745
    $
-
    $
106,745
 
Agency CMO    
-
     
18,249
     
-
     
18,249
 
Agency notes and bonds    
-
     
69,048
     
-
     
69,048
 
Municipal obligations    
-
     
70,801
     
-
     
70,801
 
Total securities available for sale   $
-
    $
264,843
    $
-
    $
264,843
 
                                 
Assets Measured on a Nonrecurring Basis                                
Impaired loans:                                
Residential real estate   $
-
    $
-
    $
2,702
    $
2,702
 
Land    
-
     
-
     
94
     
94
 
Commercial real estate    
-
     
-
     
365
     
365
 
Commercial business    
-
     
-
     
316
     
316
 
Home equity and second mortgage    
-
     
-
     
78
     
78
 
Other consumer    
-
     
-
     
8
     
8
 
Total impaired loans   $
-
    $
-
    $
3,563
    $
3,563
 
                                 
Loans held for sale   $
-
    $
2,141
    $
-
    $
2,141
 
                                 
Foreclosed real estate:                                
Residential real estate   $
-
    $
-
    $
281
    $
281
 
Commercial real estate    
-
     
-
     
3,528
     
3,528
 
Total foreclosed real estate   $
-
    $
-
    $
3,809
    $
3,809
 
                                 
December 31, 2017                                
Assets Measured on a Recurring Basis                                
Securities available for sale:                                
Agency mortgage-backed securities   $
-
    $
112,649
    $
-
    $
112,649
 
Agency CMO    
-
     
15,323
     
-
     
15,323
 
Agency notes and bonds    
-
     
69,028
     
-
     
69,028
 
Municipal obligations    
-
     
74,172
     
-
     
74,172
 
Total securities available for sale   $
-
    $
271,172
    $
-
    $
271,172
 
                                 
Assets Measured on a Nonrecurring Basis                                
Impaired loans:                                
Residential real estate   $
-
    $
-
    $
2,872
    $
2,872
 
Commercial real estate    
-
     
-
     
401
     
401
 
Commercial business    
-
     
-
     
38
     
38
 
Home equity and second mortgage    
-
     
-
     
60
     
60
 
Total impaired loans   $
-
    $
-
    $
3,371
    $
3,371
 
                                 
Loans held for sale   $
-
    $
2,630
    $
-
    $
2,630
 
                                 
Foreclosed real estate:                                
Residential real estate   $
-
    $
-
    $
443
    $
443
 
Commercial real estate    
-
     
-
     
3,528
     
3,528
 
Total foreclosed real estate   $
-
    $
-
    $
3,971
    $
3,971
 
Fair Value, by Balance Sheet Grouping [Table Text Block]
    Carrying   Fair   Fair Value Measurements Using
(In thousands)   Value   Value   Level 1   Level 2   Level 3
                     
March 31, 2018                    
Financial assets:                    
Cash and cash equivalents   $
39,485
    $
39,485
    $
39,485
    $
-
    $
-
 
Interest-bearing time deposits    
8,019
     
7,944
     
-
     
7,944
     
-
 
Securities available for sale    
264,843
     
264,843
     
-
     
264,843
     
-
 
Loans held for sale    
2,141
     
2,186
     
-
     
2,186
     
-
 
Loans, net    
407,279
     
402,059
     
-
     
-
     
402,059
 
FHLB and other stock    
1,979
     
 N/A 
     
 N/A 
     
 N/A 
     
 N/A 
 
Accrued interest receivable    
2,650
     
2,650
     
-
     
2,650
     
-
 
                                         
Financial liabilities:                                        
Deposits    
681,571
     
679,700
     
-
     
-
     
679,700
 
Accrued interest payable    
98
     
98
     
-
     
98
     
-
 
                                         
December 31, 2017:                                        
Financial assets:                                        
Cash and cash equivalents   $
25,915
    $
25,915
    $
25,915
    $
-
    $
-
 
Interest-bearing time deposits    
9,258
     
9,220
     
-
     
9,220
     
-
 
Securities available for sale    
271,172
     
271,172
     
-
     
271,172
     
-
 
Securities held to maturity    
1
     
1
     
-
     
1
     
-
 
Loans held for sale    
2,630
     
2,678
     
-
     
2,678
     
-
 
Loans, net    
409,618
     
404,931
     
-
     
-
     
404,931
 
FHLB and other stock    
1,979
     
 N/A 
     
 N/A 
     
 N/A 
     
 N/A 
 
Accrued interest receivable    
2,694
     
2,694
     
-
     
2,694
     
-
 
                                         
Financial liabilities:                                        
Deposits    
664,562
     
663,006
     
-
     
-
     
663,006
 
FHLB Advances    
10,000
     
10,000
     
-
     
10,000
     
-
 
Accrued interest payable    
107
     
107
     
-
     
107
     
-
 
XML 35 R24.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 9 - Revenue from Contracts with Customers (Tables)
3 Months Ended
Mar. 31, 2018
Notes Tables  
Disaggregation of Revenue [Table Text Block]
    2018   2017
         
Service charges on deposit accounts   $
1,109
    $
1,001
 
Investment advisory income    
88
     
114
 
Revenue from contracts with customers    
1,197
     
1,115
 
                 
Gain on sale of loans and securities    
241
     
257
 
Increase in cash value of life insurance    
43
     
41
 
Other    
45
     
40
 
Other noninterest income    
329
     
338
 
                 
Total noninterest income   $
1,526
    $
1,453
 
XML 36 R25.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 2 - Investment Securities (Details Textual) - USD ($)
3 Months Ended
Mar. 31, 2018
Mar. 31, 2017
Dec. 31, 2017
Debt Securities, Held-to-maturity, Unrealized Loss Position, Fair Value, Total     $ 0
Available-for-Sale, Securities in Unrealized Loss Positions, Depreciation from Amortized Cost Percentage 3.20%    
Proceeds from Sale of Debt Securities, Available-for-sale   $ 0  
Municipal Notes [Member]      
Debt Securities, Available-for-sale, Realized Gain $ 7,000    
U.S Government Agency Mortgage-backed CMO [Member]      
Debt Securities, Available-for-sale, Realized Loss $ 6,000    
XML 37 R26.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 2 - Investment Securities - Investment Securities (Details) - USD ($)
$ in Thousands
Mar. 31, 2018
Dec. 31, 2017
Securities available for sale, amortized cost $ 271,503 $ 273,878
Securities available for sale, gross unrealized gains 743 1,275
Securities available for sale, gross unrealized losses 7,403 3,981
Securities available for sale, at fair value 264,843 271,172
Securities-held to maturity 1
Securities held to maturity, gross unrealized gains  
Securities held to maturity, gross unrealized losses  
Securities held to maturity, fair value   1
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]    
Securities available for sale, amortized cost 111,090 114,902
Securities available for sale, gross unrealized gains
Securities available for sale, gross unrealized losses 4,345 2,253
Securities available for sale, at fair value 106,745 112,649
Securities-held to maturity   1
Securities held to maturity, gross unrealized gains  
Securities held to maturity, gross unrealized losses  
Securities held to maturity, fair value   1
Agency Collateralized Mortgage Obligations [Member]    
Securities available for sale, amortized cost 18,720 15,660
Securities available for sale, gross unrealized gains 1
Securities available for sale, gross unrealized losses 471 338
Securities available for sale, at fair value 18,249 15,323
US Government Agencies Debt Securities [Member]    
Securities available for sale, amortized cost 70,495 70,013
Securities available for sale, gross unrealized gains
Securities available for sale, gross unrealized losses 1,447 985
Securities available for sale, at fair value 69,048 69,028
Municipal Notes [Member]    
Securities available for sale, amortized cost 71,198 73,303
Securities available for sale, gross unrealized gains 743 1,274
Securities available for sale, gross unrealized losses 1,140 405
Securities available for sale, at fair value $ 70,801 $ 74,172
XML 38 R27.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 2 - Investment Securities - Amortized Cost and Fair Value of Debt Securities by Contractual Maturity (Details) - USD ($)
$ in Thousands
Mar. 31, 2018
Dec. 31, 2017
Securities available for sale, amortized cost, due in one year or less $ 15,335  
Securities available for sale, fair value, due in one year or less 15,241  
Securities available for sale, amortized cost, due after one year through five years 64,630  
Securities available for sale, fair value, due after one year through five years 63,251  
Securities available for sale, amortized cost, due after five years through ten years 32,072  
Securities available for sale, fair value, due after five years through ten years 31,459  
Securities available for sale, amortized cost, due after ten years 29,656  
Securities available for sale, fair value, due after ten years 29,898  
Securities available for sale, amortized cost, single maturity 141,693  
Securities available for sale, fair value, single maturity 139,849  
Securities available for sale, amortized cost, mortgage-backed securities and CMO 129,810  
Securities available for sale, fair value, mortgage-backed securities and CMO 124,994  
Securities available for sale, amortized cost 271,503 $ 273,878
Securities available for sale, fair value 264,843 $ 271,172
Debt Securities [Member]    
Securities available for sale, amortized cost 271,503  
Securities available for sale, fair value $ 264,843  
XML 39 R28.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 2 - Investment Securities - Investment Securities Available for Sale (Details)
$ in Thousands
Mar. 31, 2018
USD ($)
Dec. 31, 2017
USD ($)
Number of investment positions - less than twelve months 88 67
Fair value - less than twelve months $ 67,345 $ 62,680
Gross unrealized losses - less than twelve months $ 1,673 $ 590
Number of investment positions - more than twelve months 129 126
Fair value - more than twelve months $ 157,983 $ 159,337
Gross unrealized losses - more than twelve months $ 5,730 $ 3,391
Number of investment positions 217 193
Fair value $ 225,328 $ 222,017
Gross unrealized losses $ 7,403 $ 3,981
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]    
Number of investment positions - less than twelve months 36 37
Fair value - less than twelve months $ 31,683 $ 37,570
Gross unrealized losses - less than twelve months $ 962 $ 400
Number of investment positions - more than twelve months 63 60
Fair value - more than twelve months $ 75,048 $ 74,960
Gross unrealized losses - more than twelve months $ 3,383 $ 1,853
Agency Collateralized Mortgage Obligations [Member]    
Number of investment positions - less than twelve months 7 6
Fair value - less than twelve months $ 2,948 $ 3,036
Gross unrealized losses - less than twelve months $ 77 $ 38
Number of investment positions - more than twelve months 18 18
Fair value - more than twelve months $ 11,150 $ 11,801
Gross unrealized losses - more than twelve months $ 394 $ 300
US Government Agencies Debt Securities [Member]    
Number of investment positions - less than twelve months 4 4
Fair value - less than twelve months $ 11,047 $ 11,119
Gross unrealized losses - less than twelve months $ 132 $ 69
Number of investment positions - more than twelve months 19 19
Fair value - more than twelve months $ 57,501 $ 57,909
Gross unrealized losses - more than twelve months $ 1,315 $ 916
Municipal Notes [Member]    
Number of investment positions - less than twelve months 41 20
Fair value - less than twelve months $ 21,667 $ 10,955
Gross unrealized losses - less than twelve months $ 502 $ 83
Number of investment positions - more than twelve months 29 29
Fair value - more than twelve months $ 14,284 $ 14,667
Gross unrealized losses - more than twelve months $ 638 $ 322
XML 40 R29.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 3 - Loans and Allowance for Loan Losses (Details Textual)
3 Months Ended 12 Months Ended
Mar. 31, 2018
USD ($)
Mar. 31, 2017
USD ($)
Dec. 31, 2017
USD ($)
Loans Charge-off Period 90 days    
Performance Period 180 days    
Financing Receivable, Allowance for Credit Losses, Write-downs $ 257,000 $ 288,000  
Collateral Dependent Loans, Value of Significant Properties 200,000    
Mortgage Loans in Process of Foreclosure, Amount $ 1,000,000   $ 588,000
Financing Receivable, Allowance for Credit Losses, Loss Factor Increase 0.15%    
Financing Receivable, Allowance for Credit Losses, Loss Factor 20.00%    
Impaired Financing Receivable, Interest Income, Cash Basis Method, Total $ 0 $ 0  
Loans and Leases Receivable, Impaired, Commitment to Lend $ 0   0
Financing Receivable, Modifications, Number of Contracts 1 0  
Troubled Debt Restructuring, Principal Charge-offs $ 0    
Financing Receivable, Modifications, Subsequent Default, Number of Contracts 0 0  
Financial Receivable, Trouble Debt Restructure, Defaulted, Provisions Loan Losses or Net Charge-offs     0
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Outstanding Balance, Total $ 617,000   625,000
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses 0   2,000
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Allowance for Loan Losses, Decreases 2,000 $ 0  
Nonperforming Financial Instruments [Member]      
Loans and Leases Receivable, Allowance, Ending Balance 0  
Classified Loans [Member]      
Allowance for Loan and Lease Losses, Period Increase (Decrease), Total 515,000   506,000
Qualitative Factor Past Due Loans [Member]      
Financing Receivable, Allowance for Credit Losses, Effect of Change in Method $ 2,300,000   $ 2,100,000
Overall Qualitative Factor [Member]      
Financing Receivable, Allowance for Credit Losses Risk Factor 1.18   1.18
Allowance for Loan and Lease Losses, Period Increase (Decrease), Total $ 534,000   $ 536,000
Bank Overdrafts [Member]      
Loans Charge-off Period 45 days    
Other than Consumer Portfolio Segment [Member]      
Number of Loans 5    
Financing Receivable, Allowance for Credit Losses, Write-downs $ 97,000    
XML 41 R30.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 3 - Loans and Allowance for Loan Losses - Loans (Details) - USD ($)
$ in Thousands
Mar. 31, 2018
Dec. 31, 2017
Mar. 31, 2017
Dec. 31, 2016
Loans $ 429,025 $ 437,231    
Less undisbursed portion of loans in process (19,155) (25,020)    
Principal loan balance 409,870 412,211    
Deferred loan origination fees, net 1,040 1,041    
Allowance for loan losses (3,631) (3,634) $ (3,418) $ (3,386)
Loans, net 407,279 409,618    
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member]        
Loans 134,298 136,399    
Allowance for loan losses (301) (219) (271) (380)
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member]        
Loans 21,248 18,198    
Principal loan balance 21,248 18,198    
Deferred loan origination fees, net 16 17    
Allowance for loan losses (156) (133) (109) (56)
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member]        
Loans 31,207 28,854    
Principal loan balance 25,313 20,995    
Deferred loan origination fees, net (7) (10)    
Allowance for loan losses (291) (245) (223) (80)
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member]        
Loans 95,471 100,133    
Principal loan balance 95,471 100,133    
Deferred loan origination fees, net (41) (42)    
Allowance for loan losses (1,520) (1,622) (1,585) (1,670)
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Construction [Member]        
Loans 13,261 17,161    
Commercial Portfolio Segment [Member]        
Loans 33,186 34,114    
Principal loan balance 33,186 34,114    
Deferred loan origination fees, net 1 2    
Allowance for loan losses (276) (291) (244) (198)
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member]        
Loans 49,423 49,802    
Principal loan balance 49,423 49,802    
Deferred loan origination fees, net 980 987    
Allowance for loan losses (680) (710) (698) (683)
Consumer Portfolio Segment [Member] | Automobile Loan [Member]        
Loans 38,809 38,361    
Consumer Portfolio Segment [Member] | Loans Secured by Deposits [Member]        
Loans 1,294 1,751    
Consumer Portfolio Segment [Member] | Unsecured Loan [Member]        
Loans 3,553 3,744    
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member]        
Loans 7,275 8,714    
Principal loan balance 50,931 52,570    
Deferred loan origination fees, net    
Allowance for loan losses $ (407) $ (414) $ (288) $ (319)
XML 42 R31.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 3 - Loans and Allowance for Loan Losses - Recorded Investments in Loans (Details) - USD ($)
$ in Thousands
Mar. 31, 2018
Dec. 31, 2017
Principal loan balance $ 409,870 $ 412,211
Accrued interest receivable 1,308 1,365
Deferred loan origination fees, net 1,040 1,041
Recorded investment in loans 412,218 414,617
Recorded Investment in Loans as Evaluated for Impairment:    
Individually evaluated for impairment 3,680 3,423
Collectively evaluated for impairment 408,138 410,796
Recorded investment in loans 412,218 414,617
Principal loan balance 409,870 412,211
Accrued interest receivable 1,308 1,365
Deferred loan origination fees, net 1,040 1,041
Financial Asset Acquired with Credit Deterioration [Member]    
Recorded investment in loans 400 398
Recorded Investment in Loans as Evaluated for Impairment:    
Recorded investment in loans 400 398
Real Estate Mortgage Portfolio Segment [Member] | Real Estate Loan [Member]    
Principal loan balance 134,298 136,399
Accrued interest receivable 494 474
Deferred loan origination fees, net 91 87
Recorded investment in loans 134,883 136,960
Recorded Investment in Loans as Evaluated for Impairment:    
Individually evaluated for impairment 2,803 2,907
Collectively evaluated for impairment 131,727 133,703
Recorded investment in loans 134,883 136,960
Principal loan balance 134,298 136,399
Accrued interest receivable 494 474
Deferred loan origination fees, net 91 87
Real Estate Mortgage Portfolio Segment [Member] | Real Estate Loan [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Recorded investment in loans 353 350
Recorded Investment in Loans as Evaluated for Impairment:    
Recorded investment in loans 353 350
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member]    
Principal loan balance 21,248 18,198
Accrued interest receivable 72 94
Deferred loan origination fees, net 16 17
Recorded investment in loans 21,336 18,309
Recorded Investment in Loans as Evaluated for Impairment:    
Individually evaluated for impairment 94
Collectively evaluated for impairment 21,242 18,309
Recorded investment in loans 21,336 18,309
Principal loan balance 21,248 18,198
Accrued interest receivable 72 94
Deferred loan origination fees, net 16 17
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Recorded investment in loans
Recorded Investment in Loans as Evaluated for Impairment:    
Recorded investment in loans
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member]    
Principal loan balance 25,313 20,995
Accrued interest receivable 48 49
Deferred loan origination fees, net (7) (10)
Recorded investment in loans 25,354 21,034
Recorded Investment in Loans as Evaluated for Impairment:    
Individually evaluated for impairment
Collectively evaluated for impairment 25,354 21,034
Recorded investment in loans 25,354 21,034
Principal loan balance 25,313 20,995
Accrued interest receivable 48 49
Deferred loan origination fees, net (7) (10)
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Recorded investment in loans
Recorded Investment in Loans as Evaluated for Impairment:    
Recorded investment in loans
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member]    
Principal loan balance 95,471 100,133
Accrued interest receivable 221 249
Deferred loan origination fees, net (41) (42)
Recorded investment in loans 95,651 100,340
Recorded Investment in Loans as Evaluated for Impairment:    
Individually evaluated for impairment 365 401
Collectively evaluated for impairment 95,239 99,891
Recorded investment in loans 95,651 100,340
Principal loan balance 95,471 100,133
Accrued interest receivable 221 249
Deferred loan origination fees, net (41) (42)
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Recorded investment in loans 47 48
Recorded Investment in Loans as Evaluated for Impairment:    
Recorded investment in loans 47 48
Commercial Portfolio Segment [Member]    
Principal loan balance 33,186 34,114
Accrued interest receivable 98 87
Deferred loan origination fees, net 1 2
Recorded investment in loans 33,285 34,203
Recorded Investment in Loans as Evaluated for Impairment:    
Individually evaluated for impairment 319 42
Collectively evaluated for impairment 32,966 34,161
Recorded investment in loans 33,285 34,203
Principal loan balance 33,186 34,114
Accrued interest receivable 98 87
Deferred loan origination fees, net 1 2
Commercial Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Recorded investment in loans
Recorded Investment in Loans as Evaluated for Impairment:    
Recorded investment in loans
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member]    
Principal loan balance 49,423 49,802
Accrued interest receivable 185 189
Deferred loan origination fees, net 980 987
Recorded investment in loans 50,588 50,978
Recorded Investment in Loans as Evaluated for Impairment:    
Individually evaluated for impairment 91 73
Collectively evaluated for impairment 50,497 50,905
Recorded investment in loans 50,588 50,978
Principal loan balance 49,423 49,802
Accrued interest receivable 185 189
Deferred loan origination fees, net 980 987
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Recorded investment in loans
Recorded Investment in Loans as Evaluated for Impairment:    
Recorded investment in loans
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member]    
Principal loan balance 50,931 52,570
Accrued interest receivable 190 223
Deferred loan origination fees, net
Recorded investment in loans 51,121 52,793
Recorded Investment in Loans as Evaluated for Impairment:    
Individually evaluated for impairment 8
Collectively evaluated for impairment 51,113 52,793
Recorded investment in loans 51,121 52,793
Principal loan balance 50,931 52,570
Accrued interest receivable 190 223
Deferred loan origination fees, net
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Recorded investment in loans
Recorded Investment in Loans as Evaluated for Impairment:    
Recorded investment in loans
XML 43 R32.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 3 - Loans and Allowance for Loan Losses - Allowance for Loan Losses (Details) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2018
Mar. 31, 2017
Mar. 31, 2018
Dec. 31, 2017
Individually evaluated for impairment     $ 117 $ 52
Collectively evaluated for impairment     3,514 3,580
Allowance for loan losses $ 3,631 $ 3,386 3,631 3,634
Beginning balance 3,634 3,386    
Provision for loan losses 197 211    
Charge-offs (257) (288)    
Recoveries 57 109    
Ending balance 3,631 3,418    
Financial Asset Acquired with Credit Deterioration [Member]        
Allowance for loan losses   2
Beginning balance 2      
Ending balance      
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member]        
Individually evaluated for impairment     101 35
Collectively evaluated for impairment     200 182
Allowance for loan losses 301 380 301 219
Beginning balance 219 380    
Provision for loan losses 139 (85)    
Charge-offs (60) (40)    
Recoveries 3 16    
Ending balance 301 271    
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member] | Financial Asset Acquired with Credit Deterioration [Member]        
Allowance for loan losses   2
Beginning balance 2      
Ending balance      
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member]        
Individually evaluated for impairment    
Collectively evaluated for impairment     156 133
Allowance for loan losses 156 56 156 133
Beginning balance 133 56    
Provision for loan losses 23 53    
Charge-offs    
Recoveries    
Ending balance 156 109    
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member] | Financial Asset Acquired with Credit Deterioration [Member]        
Allowance for loan losses  
Beginning balance      
Ending balance      
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member]        
Individually evaluated for impairment    
Collectively evaluated for impairment     291 245
Allowance for loan losses 291 80 291 245
Beginning balance 245 80    
Provision for loan losses 46 143    
Charge-offs    
Recoveries    
Ending balance 291 223    
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member] | Financial Asset Acquired with Credit Deterioration [Member]        
Allowance for loan losses  
Beginning balance      
Ending balance      
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member]        
Individually evaluated for impairment    
Collectively evaluated for impairment     1,520 1,622
Allowance for loan losses 1,520 1,670 1,520 1,622
Beginning balance 1,622 1,670    
Provision for loan losses (110) (128)    
Charge-offs (1)    
Recoveries 8 44    
Ending balance 1,520 1,585    
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member] | Financial Asset Acquired with Credit Deterioration [Member]        
Allowance for loan losses  
Beginning balance      
Ending balance      
Commercial Portfolio Segment [Member]        
Individually evaluated for impairment     3 4
Collectively evaluated for impairment     273 287
Allowance for loan losses 276 198 276 291
Beginning balance 291 198    
Provision for loan losses (15) 85    
Charge-offs (1) (43)    
Recoveries 1 4    
Ending balance 276 244    
Commercial Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]        
Allowance for loan losses  
Beginning balance      
Ending balance      
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member]        
Individually evaluated for impairment     13 13
Collectively evaluated for impairment     667 697
Allowance for loan losses 680 683 680 710
Beginning balance 710 683    
Provision for loan losses (33) 14    
Charge-offs    
Recoveries 3 1    
Ending balance 680 698    
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] | Financial Asset Acquired with Credit Deterioration [Member]        
Allowance for loan losses  
Beginning balance      
Ending balance      
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member]        
Individually evaluated for impairment    
Collectively evaluated for impairment     407 414
Allowance for loan losses 407 319 407 414
Beginning balance 414 319    
Provision for loan losses 147 129    
Charge-offs (196) (204)    
Recoveries 42 44    
Ending balance 407 $ 288    
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member] | Financial Asset Acquired with Credit Deterioration [Member]        
Allowance for loan losses  
Beginning balance      
Ending balance      
XML 44 R33.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 3 - Loans and Allowance for Loan Losses - Impaired Loans (Details) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2018
Mar. 31, 2017
Dec. 31, 2017
Recorded investment with no allowance $ 3,361   $ 3,168
Unpaid principal balance with no allowance 3,604   3,563
Average recorded investment with no allowance 3,265 $ 3,470  
Interest income recognized with no allowance 16 11  
Recorded investment with allowance 319   255
Unpaid principal balance with allowance 328   261
Related allowance 117   52
Average recorded investment with allowance 287 240  
Interest income recognized with allowance  
Recorded investment 3,680   3,423
Unpaid principal balance 3,932   3,824
Average recorded investment 3,552 3,710  
Interest income recognized 16 11  
Related allowance 117   52
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member]      
Recorded investment with no allowance 2,525   2,695
Unpaid principal balance with no allowance 2,760   2,948
Average recorded investment with no allowance 2,610 2,010  
Interest income recognized with no allowance 7 8  
Recorded investment with allowance 278   212
Unpaid principal balance with allowance 285   218
Related allowance 101   35
Average recorded investment with allowance 245 150  
Interest income recognized with allowance  
Recorded investment 2,803   2,907
Unpaid principal balance 3,045   3,166
Average recorded investment 2,855 2,160  
Interest income recognized 7 8  
Related allowance 101   35
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member]      
Recorded investment with no allowance 94  
Unpaid principal balance with no allowance 95  
Average recorded investment with no allowance 47  
Interest income recognized with no allowance  
Recorded investment with allowance  
Unpaid principal balance with allowance  
Related allowance  
Average recorded investment with allowance  
Interest income recognized with allowance  
Recorded investment 94  
Unpaid principal balance 95  
Average recorded investment 47  
Interest income recognized  
Related allowance  
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member]      
Recorded investment with no allowance  
Unpaid principal balance with no allowance  
Average recorded investment with no allowance  
Interest income recognized with no allowance  
Recorded investment with allowance  
Unpaid principal balance with allowance  
Related allowance  
Average recorded investment with allowance  
Interest income recognized with allowance  
Recorded investment  
Unpaid principal balance  
Average recorded investment  
Interest income recognized  
Related allowance  
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member]      
Recorded investment with no allowance 365   401
Unpaid principal balance with no allowance 363   535
Average recorded investment with no allowance 383 1,150  
Interest income recognized with no allowance 5 3  
Recorded investment with allowance  
Unpaid principal balance with allowance  
Related allowance  
Average recorded investment with allowance  
Interest income recognized with allowance  
Recorded investment 365   401
Unpaid principal balance 363   535
Average recorded investment 383 1,150  
Interest income recognized 5 3  
Related allowance  
Commercial Portfolio Segment [Member]      
Recorded investment with no allowance 291   12
Unpaid principal balance with no allowance 292   12
Average recorded investment with no allowance 152 74  
Interest income recognized with no allowance 4  
Recorded investment with allowance 28   30
Unpaid principal balance with allowance 30   30
Related allowance 3   4
Average recorded investment with allowance 29 59  
Interest income recognized with allowance  
Recorded investment 319   42
Unpaid principal balance 322   42
Average recorded investment 181 133  
Interest income recognized 4  
Related allowance 3   4
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member]      
Recorded investment with no allowance 78   60
Unpaid principal balance with no allowance 86   68
Average recorded investment with no allowance 69 230  
Interest income recognized with no allowance  
Recorded investment with allowance 13   13
Unpaid principal balance with allowance 13   13
Related allowance 13   13
Average recorded investment with allowance 13 13  
Interest income recognized with allowance  
Recorded investment 91   73
Unpaid principal balance 99   81
Average recorded investment 82 243  
Interest income recognized  
Related allowance 13   13
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member]      
Recorded investment with no allowance 8  
Unpaid principal balance with no allowance 8  
Average recorded investment with no allowance 4 6  
Interest income recognized with no allowance  
Recorded investment with allowance  
Unpaid principal balance with allowance  
Related allowance  
Average recorded investment with allowance 18  
Interest income recognized with allowance  
Recorded investment 8  
Unpaid principal balance 8  
Average recorded investment 4 24  
Interest income recognized  
Related allowance  
XML 45 R34.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 3 - Loans and Allowance for Loan Losses - Recorded Investment in Nonperforming Loans (Details) - USD ($)
$ in Thousands
Mar. 31, 2018
Dec. 31, 2017
Total Nonperforming Loans $ 5,271 $ 6,194
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member]    
Total Nonperforming Loans 3,736 4,205
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member]    
Total Nonperforming Loans 475 281
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member]    
Total Nonperforming Loans
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member]    
Total Nonperforming Loans 337 518
Commercial Portfolio Segment [Member]    
Total Nonperforming Loans 280 197
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member]    
Total Nonperforming Loans 166 508
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member]    
Total Nonperforming Loans 277 485
Nonperforming Financial Instruments [Member]    
Nonaccrual Loans 2,675 2,536
Loans 90+ Days Past Due Still Accruing 179 291
Total Nonperforming Loans 2,854 2,827
Nonperforming Financial Instruments [Member] | Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member]    
Nonaccrual Loans 2,262 2,298
Loans 90+ Days Past Due Still Accruing 100 109
Total Nonperforming Loans 2,362 2,407
Nonperforming Financial Instruments [Member] | Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member]    
Nonaccrual Loans 94
Loans 90+ Days Past Due Still Accruing 95
Total Nonperforming Loans 94 95
Nonperforming Financial Instruments [Member] | Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member]    
Nonaccrual Loans
Loans 90+ Days Past Due Still Accruing
Total Nonperforming Loans
Nonperforming Financial Instruments [Member] | Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member]    
Nonaccrual Loans 104 139
Loans 90+ Days Past Due Still Accruing
Total Nonperforming Loans 104 139
Nonperforming Financial Instruments [Member] | Commercial Portfolio Segment [Member]    
Nonaccrual Loans 139 42
Loans 90+ Days Past Due Still Accruing 66 59
Total Nonperforming Loans 205 101
Nonperforming Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member]    
Nonaccrual Loans 76 57
Loans 90+ Days Past Due Still Accruing
Total Nonperforming Loans 76 57
Nonperforming Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loan [Member]    
Nonaccrual Loans
Loans 90+ Days Past Due Still Accruing 13 28
Total Nonperforming Loans $ 13 $ 28
XML 46 R35.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 3 - Loans and Allowance for Loan Losses - Aging of Recorded Investment in Loans (Details) - USD ($)
$ in Thousands
Mar. 31, 2018
Dec. 31, 2017
Past Due $ 5,271 $ 6,194
Current 406,547 408,025
Loans 412,218 414,617
Financial Asset Acquired with Credit Deterioration [Member]    
Loans 400 398
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member]    
Past Due 3,736 4,205
Current 130,794 132,405
Loans 134,883 136,960
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Loans 353 350
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member]    
Past Due 475 281
Current 20,861 18,028
Loans 21,336 18,309
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Loans
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member]    
Past Due
Current 25,354 21,034
Loans 25,354 21,034
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Loans
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member]    
Past Due 337 518
Current 95,267 99,774
Loans 95,651 100,340
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Loans 47 48
Commercial Portfolio Segment [Member]    
Past Due 280 197
Current 33,005 34,006
Loans 33,285 34,203
Commercial Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Loans
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member]    
Past Due 166 508
Current 50,422 50,470
Loans 50,588 50,978
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Loans
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member]    
Past Due 277 485
Current 50,844 52,308
Loans 51,121 52,793
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member] | Financial Asset Acquired with Credit Deterioration [Member]    
Loans
Financing Receivables, 30 to 59 Days Past Due [Member]    
Past Due 3,046 4,111
Financing Receivables, 30 to 59 Days Past Due [Member] | Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member]    
Past Due 2,108 2,612
Financing Receivables, 30 to 59 Days Past Due [Member] | Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member]    
Past Due 381 186
Financing Receivables, 30 to 59 Days Past Due [Member] | Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member]    
Past Due
Financing Receivables, 30 to 59 Days Past Due [Member] | Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member]    
Past Due 379
Financing Receivables, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member]    
Past Due 156 46
Financing Receivables, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member]    
Past Due 152 468
Financing Receivables, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loan [Member]    
Past Due 249 420
Financing Receivables, 60 to 89 Days Past Due [Member]    
Past Due 404 451
Financing Receivables, 60 to 89 Days Past Due [Member] | Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member]    
Past Due 155 338
Financing Receivables, 60 to 89 Days Past Due [Member] | Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member]    
Past Due
Financing Receivables, 60 to 89 Days Past Due [Member] | Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member]    
Past Due
Financing Receivables, 60 to 89 Days Past Due [Member] | Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member]    
Past Due 233
Financing Receivables, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member]    
Past Due 49
Financing Receivables, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member]    
Past Due 1 27
Financing Receivables, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loan [Member]    
Past Due 15 37
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]    
Past Due 1,821 1,632
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member]    
Past Due 1,473 1,255
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member]    
Past Due 94 95
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member]    
Past Due
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member]    
Past Due 104 139
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member]    
Past Due 124 102
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member]    
Past Due 13 13
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loan [Member]    
Past Due $ 13 $ 28
XML 47 R36.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 3 - Loans and Allowance for Loan Losses - Recorded Investment in Loans by Risk Category (Details) - USD ($)
$ in Thousands
Mar. 31, 2018
Dec. 31, 2017
Loans $ 412,218 $ 414,617
Pass [Member]    
Loans 403,797 405,806
Special Mention [Member]    
Loans 2,992 3,623
Substandard [Member]    
Loans 2,739 2,640
Doubtful [Member]    
Loans 2,690 2,548
Unlikely to be Collected Financing Receivable [Member]    
Loans
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member]    
Loans 134,883 136,960
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member] | Pass [Member]    
Loans 131,433 133,618
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member] | Special Mention [Member]    
Loans 395 348
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member] | Substandard [Member]    
Loans 778 684
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member] | Doubtful [Member]    
Loans 2,277 2,310
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member] | Unlikely to be Collected Financing Receivable [Member]    
Loans
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member]    
Loans 21,336 18,309
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member] | Pass [Member]    
Loans 21,109 18,003
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member] | Special Mention [Member]    
Loans 83 157
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member] | Substandard [Member]    
Loans 50 149
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member] | Doubtful [Member]    
Loans 94
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member] | Unlikely to be Collected Financing Receivable [Member]    
Loans
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member]    
Loans 25,354 21,034
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member] | Pass [Member]    
Loans 25,125 20,173
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member] | Special Mention [Member]    
Loans 229 861
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member] | Substandard [Member]    
Loans
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member] | Doubtful [Member]    
Loans
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member] | Unlikely to be Collected Financing Receivable [Member]    
Loans
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member]    
Loans 95,651 100,340
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member] | Pass [Member]    
Loans 92,367 97,219
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member] | Special Mention [Member]    
Loans 1,347 1,362
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member] | Substandard [Member]    
Loans 1,833 1,620
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member] | Doubtful [Member]    
Loans 104 139
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member] | Unlikely to be Collected Financing Receivable [Member]    
Loans
Commercial Portfolio Segment [Member]    
Loans 33,285 34,203
Commercial Portfolio Segment [Member] | Pass [Member]    
Loans 32,287 33,245
Commercial Portfolio Segment [Member] | Special Mention [Member]    
Loans 786 734
Commercial Portfolio Segment [Member] | Substandard [Member]    
Loans 73 182
Commercial Portfolio Segment [Member] | Doubtful [Member]    
Loans 139 42
Commercial Portfolio Segment [Member] | Unlikely to be Collected Financing Receivable [Member]    
Loans
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member]    
Loans 50,588 50,978
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] | Pass [Member]    
Loans 50,510 50,919
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] | Special Mention [Member]    
Loans
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] | Substandard [Member]    
Loans 2 2
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] | Doubtful [Member]    
Loans 76 57
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] | Unlikely to be Collected Financing Receivable [Member]    
Loans
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member]    
Loans 51,121 52,793
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member] | Pass [Member]    
Loans 50,966 52,629
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member] | Special Mention [Member]    
Loans 152 161
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member] | Substandard [Member]    
Loans 3 3
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member] | Doubtful [Member]    
Loans
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member] | Unlikely to be Collected Financing Receivable [Member]    
Loans
XML 48 R37.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 3 - Loans and Allowance for Loan Losses - Troubled Debt Restructuring by Accrual Status (Details) - USD ($)
Mar. 31, 2018
Dec. 31, 2017
Recorded investment in loans $ 412,218,000 $ 414,617,000
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member]    
Recorded investment in loans 134,883,000 136,960,000
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member]    
Recorded investment in loans 95,651,000 100,340,000
Commercial Portfolio Segment [Member]    
Recorded investment in loans 33,285,000 34,203,000
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member]    
Recorded investment in loans 50,588,000 50,978,000
Nonperforming Financial Instruments [Member]    
TDR accruing 1,032,000 858,000
TDR nonaccrual 106,000 106,000
Recorded investment in loans 1,138,000 964,000
TDR related allowance for loan losses 0
Nonperforming Financial Instruments [Member] | Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member]    
TDR accruing 484,000 487,000
TDR nonaccrual 106,000 106,000
Recorded investment in loans 590,000 593,000
TDR related allowance for loan losses
Nonperforming Financial Instruments [Member] | Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member]    
TDR accruing 354,000 356,000
TDR nonaccrual
Recorded investment in loans 354,000 356,000
TDR related allowance for loan losses
Nonperforming Financial Instruments [Member] | Commercial Portfolio Segment [Member]    
TDR accruing 179,000
TDR nonaccrual
Recorded investment in loans 179,000
TDR related allowance for loan losses
Nonperforming Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member]    
TDR accruing 15,000 15,000
TDR nonaccrual
Recorded investment in loans 15,000 15,000
TDR related allowance for loan losses
XML 49 R38.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 3 - Loans and Allowance for Loan Losses - Summary of Troubled Debt Restructurings (Details)
$ in Thousands
3 Months Ended
Mar. 31, 2018
USD ($)
Mar. 31, 2017
Number of contracts 1 0
Pre-modification outstanding balance $ 179  
Post-modification outstanding balance $ 179  
Commercial Portfolio Segment [Member]    
Number of contracts 1  
Pre-modification outstanding balance $ 179  
Post-modification outstanding balance $ 179  
XML 50 R39.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 3 - Loans and Allowance for Loan Losses - Summary of PCI Loans (Details) - USD ($)
Mar. 31, 2018
Dec. 31, 2017
Carrying amount $ 400,000 $ 398,000
Allowance for loan losses 0 2,000
Carrying amount, net of allowance 400,000 396,000
Residential Mortgage Segment [Member] | Residential Loan [Member]    
Carrying amount 353,000 350,000
Residential Mortgage Segment [Member] | Commercial Real Estate Loan [Member]    
Carrying amount $ 47,000 $ 48,000
XML 51 R40.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 3 - Loans and Allowance for Loan Losses - Accretable Yield, or Income Expected to be Collected (Details) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2018
Mar. 31, 2017
Balance at beginning of period $ 470 $ 252
New loans purchased
Accretion to income (14) (14)
Disposals and other adjustments
Reclassification from nonaccretable difference 3 6
Balance at end of period $ 459 $ 244
XML 52 R41.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 4 - Qualified Affordable Housing Project Investment (Details Textual)
3 Months Ended
Mar. 31, 2018
USD ($)
Affordable Housing Tax Credits and Other Tax Benefits, Amount $ 98,000
Income Tax Expense (Benefit) [Member]  
Amortization Method Qualified Affordable Housing Project Investments, Amortization 82,000
Other Assets [Member]  
Amortization Method Qualified Affordable Housing Project Investments 3,900,000
Other Liabilities [Member]  
Qualified Affordable Housing Project Investments, Commitment $ 3,500,000
XML 53 R42.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 5 - Supplemental Disclosure for Earnings Per Share (Details Textual) - shares
shares in Thousands
3 Months Ended
Mar. 31, 2018
Mar. 31, 2017
Restricted Stock [Member]    
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount 0 0
XML 54 R43.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 5 - Supplemental Disclosure for Earnings Per Share - Supplemental Disclosure for Earnings Per Share (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended
Mar. 31, 2018
Mar. 31, 2017
Net income attributable to First Capital, Inc. $ 2,133 $ 1,553
Weighted average common shares outstanding (in shares) 3,326,464 3,342,052
Basic (in dollars per share) $ 0.64 $ 0.46
Add: Dilutive effect of restricted stock (in shares) 5,671 5,070
Weighted average common shares outstanding, as adjusted (in shares) 3,332,135 3,347,122
Net income attributable to First Capital, Inc. per common share, diluted (in dollars per share) $ 0.64 $ 0.46
XML 55 R44.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 6 - Stock Option Plan (Details Textual) - USD ($)
3 Months Ended
Feb. 20, 2018
Feb. 17, 2015
May 20, 2009
Mar. 31, 2018
Mar. 31, 2017
Restricted Stock [Member]          
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period       20,000  
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value       $ 37.42  
Allocated Share-based Compensation Expense, Total       $ 49,000 $ 21,000
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Total       $ 911,000  
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition       5 years 91 days  
Restricted Stock [Member] | Officers, Directors and Key Employees [Member]          
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period 20,000 19,500      
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value $ 37.42 $ 24.50      
Stock Issued During Period, Value, Restricted Stock Award, Gross $ 748,000 $ 478,000      
Restricted Stock [Member] | Officers, Directors and Key Employees [Member] | Vesting Each Year on July 1, Beginning in 2019 [Member]          
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Rights, Percentage 20.00%        
Equity Incentive Plan 2009 [Member]          
Maximum Fair Value of First Exercisable Stock Incentive Options     $ 100,000    
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross       0  
Equity Incentive Plan 2009 [Member] | Common Stock [Member]          
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized     223,000    
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant       184,000  
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period     10 years    
XML 56 R45.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 6 - Stock Option Plan - Summary of Nonvested Restricted Shares (Details) - Restricted Stock [Member]
3 Months Ended
Mar. 31, 2018
$ / shares
shares
Nonvested, Weighted Number of Shares (in shares) | shares 10,500
Nonvested, Average Grant Date Fair Value (in dollars per share) | $ / shares $ 24.50
Granted, Weighted Number of Shares (in shares) | shares 20,000
Granted, Average Grant Date Fair Value (in dollars per share) | $ / shares $ 37.42
Vested, Weighted Number of Shares (in shares) | shares
Vested, Average Grant Date Fair Value (in dollars per share) | $ / shares
Forfeited, Weighted Number of Shares (in shares) | shares 0
Forfeited, Average Grant Date Fair Value (in dollars per share) | $ / shares $ 0
Nonvested, Weighted Number of Shares (in shares) | shares 30,500
Nonvested, Average Grant Date Fair Value (in dollars per share) | $ / shares $ 32.97
XML 57 R46.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 7 - Supplemental Disclosures of Cash Flow Information - Supplemental Disclosures of Cash Flow Information (Details) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2018
Mar. 31, 2017
Cash payments for:    
Interest $ 351 $ 370
Taxes (net of refunds received) 0 0
Noncash investing activities:    
Transfers from loans to real estate acquired through foreclosure $ 27 $ 194
XML 58 R47.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 8 - Fair Value Measurements (Details Textual) - USD ($)
3 Months Ended 12 Months Ended
Mar. 31, 2018
Mar. 31, 2017
Dec. 31, 2017
Financial and Nonfinancial Liabilities, Fair Value Disclosure $ 0   $ 0
Provision for Loan and Lease Losses, Total 197,000 $ 211,000  
Impaired Loan [Member]      
Provision for Loan and Lease Losses, Total 65,000 2,000  
Foreclosed Real Estate [Member]      
SEC Schedule, 12-28, Real Estate Companies, Investment in Real Estate, Write-down or Reserve, Amount $ 0 $ 228,000  
Fair Value, Inputs, Level 3 [Member] | Impaired Loan [Member] | Minimum [Member]      
Fair Value Inputs, Estimated Selling Costs 14.00%   14.00%
Fair Value, Inputs, Level 3 [Member] | Impaired Loan [Member] | Maximum [Member]      
Fair Value Inputs, Estimated Selling Costs 62.00%   62.00%
Fair Value, Inputs, Level 3 [Member] | Impaired Loan [Member] | Weighted Average [Member]      
Fair Value Inputs, Estimated Selling Costs 39.00%   39.00%
Fair Value, Inputs, Level 3 [Member] | Foreclosed Real Estate [Member] | Minimum [Member]      
Fair Value Inputs, Estimated Selling Costs 10.00%   17.00%
Fair Value, Inputs, Level 3 [Member] | Foreclosed Real Estate [Member] | Maximum [Member]      
Fair Value Inputs, Estimated Selling Costs 76.00%   75.00%
Fair Value, Inputs, Level 3 [Member] | Foreclosed Real Estate [Member] | Weighted Average [Member]      
Fair Value Inputs, Estimated Selling Costs 44.00%   45.00%
XML 59 R48.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 8 - Fair Value Measurements - Assets Measured at Fair Value on Recurring and Nonrecurring Basis (Details) - USD ($)
$ in Thousands
Mar. 31, 2018
Dec. 31, 2017
Securities available for sale $ 264,843 $ 271,172
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]    
Securities available for sale 106,745 112,649
Agency Collateralized Mortgage Obligations [Member]    
Securities available for sale 18,249 15,323
US Government Agencies Debt Securities [Member]    
Securities available for sale 69,048 69,028
Municipal Notes [Member]    
Securities available for sale 70,801 74,172
Fair Value, Measurements, Recurring [Member]    
Securities available for sale 264,843 271,172
Fair Value, Measurements, Recurring [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]    
Securities available for sale 106,745 112,649
Fair Value, Measurements, Recurring [Member] | Agency Collateralized Mortgage Obligations [Member]    
Securities available for sale 18,249 15,323
Fair Value, Measurements, Recurring [Member] | US Government Agencies Debt Securities [Member]    
Securities available for sale 69,048 69,028
Fair Value, Measurements, Recurring [Member] | Municipal Notes [Member]    
Securities available for sale 70,801 74,172
Fair Value, Measurements, Nonrecurring [Member]    
Impaired loans 3,563 3,371
Loans held for sale 2,141 2,630
Foreclosed real estate 3,809 3,971
Fair Value, Measurements, Nonrecurring [Member] | Residential Mortgage Segment [Member]    
Impaired loans 2,702 2,872
Foreclosed real estate 281 443
Fair Value, Measurements, Nonrecurring [Member] | Land Segment [Member]    
Impaired loans 94  
Fair Value, Measurements, Nonrecurring [Member] | Commercial Real Estate Segment [Member]    
Impaired loans 365 401
Foreclosed real estate 3,528 3,528
Fair Value, Measurements, Nonrecurring [Member] | Commercial Business Segment [Member]    
Impaired loans 316 38
Fair Value, Measurements, Nonrecurring [Member] | Home Equity and Second Mortgage [Member]    
Impaired loans 78 60
Fair Value, Measurements, Nonrecurring [Member] | Other Consumer Segment [Member]    
Impaired loans 8  
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member]    
Securities available for sale
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]    
Securities available for sale
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member] | Agency Collateralized Mortgage Obligations [Member]    
Securities available for sale
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member] | US Government Agencies Debt Securities [Member]    
Securities available for sale
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member] | Municipal Notes [Member]    
Securities available for sale
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member]    
Impaired loans
Loans held for sale
Foreclosed real estate
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Residential Mortgage Segment [Member]    
Impaired loans
Foreclosed real estate
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Land Segment [Member]    
Impaired loans  
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Commercial Real Estate Segment [Member]    
Impaired loans
Foreclosed real estate
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Commercial Business Segment [Member]    
Impaired loans
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Home Equity and Second Mortgage [Member]    
Impaired loans
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Other Consumer Segment [Member]    
Impaired loans  
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]    
Securities available for sale 264,843 271,172
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]    
Securities available for sale 106,745 112,649
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | Agency Collateralized Mortgage Obligations [Member]    
Securities available for sale 18,249 15,323
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | US Government Agencies Debt Securities [Member]    
Securities available for sale 69,048 69,028
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member] | Municipal Notes [Member]    
Securities available for sale 70,801 74,172
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Nonrecurring [Member]    
Impaired loans
Loans held for sale 2,141 2,630
Foreclosed real estate
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Residential Mortgage Segment [Member]    
Impaired loans
Foreclosed real estate
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Land Segment [Member]    
Impaired loans  
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Commercial Real Estate Segment [Member]    
Impaired loans
Foreclosed real estate
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Commercial Business Segment [Member]    
Impaired loans
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Home Equity and Second Mortgage [Member]    
Impaired loans
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Other Consumer Segment [Member]    
Impaired loans  
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member]    
Securities available for sale
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]    
Securities available for sale
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member] | Agency Collateralized Mortgage Obligations [Member]    
Securities available for sale
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member] | US Government Agencies Debt Securities [Member]    
Securities available for sale
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member] | Municipal Notes [Member]    
Securities available for sale
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member]    
Impaired loans 3,563 3,371
Loans held for sale
Foreclosed real estate 3,809 3,971
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Residential Mortgage Segment [Member]    
Impaired loans 2,702 2,872
Foreclosed real estate 281 443
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Land Segment [Member]    
Impaired loans 94  
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Commercial Real Estate Segment [Member]    
Impaired loans 365 401
Foreclosed real estate 3,528 3,528
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Commercial Business Segment [Member]    
Impaired loans 316 38
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Home Equity and Second Mortgage [Member]    
Impaired loans 78 $ 60
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Nonrecurring [Member] | Other Consumer Segment [Member]    
Impaired loans $ 8  
XML 60 R49.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 8 - Fair Value Measurements - Carrying Value and Estimated Fair Value of Financial Instruments (Details) - USD ($)
$ in Thousands
Mar. 31, 2018
Dec. 31, 2017
Financial assets:    
Securities available for sale $ 264,843 $ 271,172
Securities held to maturity   1
Reported Value Measurement [Member]    
Financial assets:    
Cash and cash equivalents 39,485 25,915
Interest-bearing time deposits 8,019 9,258
Securities available for sale 264,843 271,172
Loans held for sale 2,141 2,630
Loans, net 407,279 409,618
FHLB and other stock 1,979 1,979
Accrued interest receivable 2,650 2,694
Deposits 681,571 664,562
Accrued interest payable 98 107
Securities held to maturity   1
FHLB Advances   10,000
Estimate of Fair Value Measurement [Member]    
Financial assets:    
Cash and cash equivalents 39,485 25,915
Interest-bearing time deposits 7,944 9,220
Securities available for sale 264,843 271,172
Loans held for sale 2,186 2,678
Loans, net 402,059 404,931
Accrued interest receivable 2,650 2,694
Deposits 679,700 663,006
Accrued interest payable 98 107
Securities held to maturity   1
FHLB Advances   10,000
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]    
Financial assets:    
Cash and cash equivalents 39,485 25,915
Interest-bearing time deposits
Securities available for sale
Loans held for sale
Loans, net
Accrued interest receivable
Deposits
Accrued interest payable
Securities held to maturity  
FHLB Advances  
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]    
Financial assets:    
Cash and cash equivalents
Interest-bearing time deposits 7,944 9,220
Securities available for sale 264,843 271,172
Loans held for sale 2,186 2,678
Loans, net
Accrued interest receivable 2,650 2,694
Deposits
Accrued interest payable 98 107
Securities held to maturity   1
FHLB Advances   10,000
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]    
Financial assets:    
Cash and cash equivalents
Interest-bearing time deposits
Securities available for sale
Loans held for sale
Loans, net 402,059 404,931
Accrued interest receivable
Deposits 679,700 663,006
Accrued interest payable
Securities held to maturity  
FHLB Advances  
XML 61 R50.htm IDEA: XBRL DOCUMENT v3.8.0.1
Note 9 - Revenue from Contracts with Customers - Noninterest Income (Details) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2018
Mar. 31, 2017
Noninterest income, financial service $ 1,197 $ 1,115
Gain on sale of loans and securities 241 257
Increase in cash value of life insurance 43 41
Other 45 40
Other noninterest income 329 338
Total noninterest income 1,526 1,453
Deposit Account [Member]    
Noninterest income, financial service 1,109 1,001
Investment Advisory, Management and Administrative Service [Member]    
Noninterest income, financial service $ 88 $ 114
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