0001903596-22-000131.txt : 20220331 0001903596-22-000131.hdr.sgml : 20220331 20220331171628 ACCESSION NUMBER: 0001903596-22-000131 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 95 CONFORMED PERIOD OF REPORT: 20211231 FILED AS OF DATE: 20220331 DATE AS OF CHANGE: 20220331 FILER: COMPANY DATA: COMPANY CONFORMED NAME: NEW PEOPLES BANKSHARES INC CENTRAL INDEX KEY: 0001163389 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 311804543 STATE OF INCORPORATION: VA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-33411 FILM NUMBER: 22794220 BUSINESS ADDRESS: STREET 1: 67 COMMERCE DRIVE CITY: HONAKER STATE: VA ZIP: 24260 BUSINESS PHONE: 2768737000 MAIL ADDRESS: STREET 1: PO BOX 1810 CITY: HONAKER STATE: VA ZIP: 24260 10-K 1 sfsnpbs10k033022.htm
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United States

Securities and Exchange Commission

Washington, D.C. 20549

 

FORM 10-K

 

 

 ☒

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

 

For the fiscal year ended December 31, 2021

 

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 Number 000-33411

 

New Peoples Bankshares, Inc.

(Exact name of registrant as specified in its charter)

           

Virginia 

31-1804543

(State or other jurisdiction of
incorporation or organization) 

(I.R.S. Employer
Identification No.)

 

                                                                 

 

 

67 Commerce Drive

24260

Honaker,VA 

(Zip Code)

(Address of principal executive offices)

                                   

 

 

Registrant’s telephone number, including area code: (276) 873-7000

 

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

 

Title of each class Trading Symbol(s) Name of each exchange on which registered
  None  

 

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

Common Stock - $2 Par Value

 

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes [ ] No [ X ]

 

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 (d) of the Act. Yes [ ] No [ X ]

 

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 every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit 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 smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

 

Large accelerated filer ☐                                                                                                     Accelerated filer ☐

Non-accelerated filer ☒                                                                                        Smaller reporting company ☒

                                                                                                                               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 has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. [ ]

 

 

 

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

 

The aggregate market value of the common stock held by non-affiliates, based on the last reported sales price of $2.07 per share on the last business day of the second quarter of 2021, was $21,089,972.

 

The number of shares outstanding of the registrant’s common stock was 23,922,086 as of March 23, 2022.

 

DOCUMENTS INCORPORATED BY REFERENCE:

 

Portions of the Proxy Statement for the 2022 Annual Meeting of Shareholders – Part III

 

 

 

TABLE OF CONTENTS

 

 

Page 

 

 

 

PART I

 

 

Item 1.

Business

4

 

 

 

Item 1A.

Risk Factors

16

 

 

 

Item 1B.

Unresolved Staff Comments

16

 

 

 

Item 2.

Properties

16

 

 

 

Item 3.

Legal Proceedings

17

 

 

 

Item 4.

Mine Safety Disclosures

17

 

 

 

PART II

 

Item 5.

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

17

 

 

 

Item 6.

[Reserved]

17

 

 

 

Item 7.

Management’s Discussion and Analysis of Financial Condition and Results of Operations

17

 

 

 

Item 7A.

Quantitative and Qualitative Disclosures About Market Risk

36

 

 

 

Item 8.

Financial Statements and Supplementary Data

37

 

 

 

Item 9.

Changes in and Disagreements with Accountants on Accounting and Financial Disclosure

72

 

 

 

Item 9A.

Controls and Procedures

72

 

 

 

Item 9B.

Other Information

73
     
              Item 9C.

Disclosure Regarding Foreign Jurisdictions that Prevent Inspections

 73

 

 

 

PART III

 

 

Item 10.

Directors, Executive Officers and Corporate Governance

73

 

 

 

Item 11.

Executive Compensation

73

 

 

 

Item 12.

Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

73

 

 

 

Item 13.

Certain Relationships and Related Transactions, and Director Independence

73

 

 

 

Item 14.

Principal Accounting Fees and Services

74

 

 

 

PART IV

 

 

Item 15.

Exhibits, Financial Statement Schedules

74

 

 

 

Item 16.

Form 10-K Summary

74

 

 

 
     
SIGNATURES   75

 
 

PART I

 

Item 1. Business

 

General

 

New Peoples Bankshares, Inc. (New Peoples, the Company, we, us or our) is a Virginia financial holding company headquartered in Honaker, Virginia. Our business is conducted primarily through New Peoples Bank, Inc., a Virginia banking corporation (the Bank). The Bank has a division doing business as New Peoples Financial Services which offers investment services through its broker-dealer relationship with Infinex Investments, Inc. NPB Insurance Services, Inc. (NPB Insurance) is a subsidiary of the Bank and generates revenue through the referral of insurance services.

 

The Bank, headquartered in Honaker, Virginia, offers a range of banking and related financial services focused primarily on serving individuals, small to medium size businesses, and the professional community. We strive to serve the banking needs of our customers while developing personal, hometown relationships with them. Our board of directors believes that marketing customized banking services enables us to establish a niche in the financial services marketplace where we do business.

 

We provide professionals and small and medium size businesses in our market area with responsive and technologically enabled banking services. These services include loans that are priced on a deposit relationship basis, easy access to our decision makers, and quick and innovative action necessary to meet a customer’s banking needs. Our capitalization and lending limit enable us to satisfy the credit needs of a large portion of the targeted market segment. When a customer needs a loan that exceeds our lending limit, we try to find other financial institutions to participate in the loan with us.

 

Our History

 

The Bank was incorporated under the laws of the Commonwealth of Virginia on December 9, 1997 and began operations on October 28, 1998. On September 27, 2001, the shareholders of the Bank approved a plan of reorganization under which they exchanged their shares of Bank common stock for shares of New Peoples common stock. On November 30, 2001, the reorganization was completed and the Bank became New Peoples’ wholly-owned subsidiary.

 

In June 2003, New Peoples formed two new wholly-owned subsidiaries, NPB Financial Services, Inc. (renamed NPB Insurance Services, Inc. in June 2012) and NPB Web Services, Inc., an inactive web design and hosting company.

 

The Bank, through its division New Peoples Financial Services, offers fixed and variable annuities, fee-based asset management and other investment products through a broker/dealer relationship with Infinex Investments, Inc.

 

In July 2004, NPB Capital Trust I was formed by New Peoples to issue $11.3 million in trust preferred securities.

 

In September 2006, NPB Capital Trust 2 was formed by New Peoples to issue $5.2 million in trust preferred securities.

 

On June 7, 2017, NPB Insurance Services, Inc. purchased a 39% membership interest in Lonesome Pine Title Agency, LLC, which provides title insurance. Another member of the agency is a related party to the Company.

 

Branch Locations

 

In addition to our headquarters in Honaker, Virginia we have 19 full-service branches located in three states: Virginia - Abingdon, Big Stone Gap, Bluefield, Bristol (2), Castlewood, Chilhowie, Clintwood, Gate City, Grundy, Haysi, Lebanon, Pounding Mill, Tazewell and Wise; West Virginia - Princeton (2); and Tennessee – Kingsport. Additionally, we have a loan production office in Boone, North Carolina; and a former loan production office in Jonesborough, Tennessee which is currently being used as a hub to meet prospective loan customers.

 

Renovations to a building we purchased in Bristol, Virginia in 2019, were suspended in 2020 due to impacts of the COVID-19 pandemic. We resumed these renovations in January 2021 and opened this new office in the fourth quarter of 2021. We believe this expansion fits our stated objective of expanding our presence in the Tri-Cities market area.  The Bristol location is within the business district and is allowing us to provide retail consumer, commercial banking and financial services within Bristol and the surrounding area.

4

 

 

Our Market Areas

 

Our primary market area consists of southwestern Virginia, southern West Virginia, northeastern Tennessee, and western North Carolina. Specifically, we operate in the southwestern Virginia counties of Russell, Scott, Washington, Tazewell, Buchanan, Dickenson, Wise, and Smyth; in the southern West Virginia county of Mercer and the northeastern Tennessee county of Sullivan (collectively, the “Tri-State Area”). In North Carolina, our loan production office is in the county of Watauga. The close proximity and mobile nature of individuals and businesses in adjoining counties and nearby cities in Virginia, West Virginia, Tennessee and North Carolina place these markets within our Bank’s targeted trade area, as well.

 

Accessibility to Interstates I-77, I-81, I-26, I-64, I40 and I-75, as well as major state and U.S. highways including US 19, US 23, US 58, US 460 and US 421, make the area an ideal location for businesses to serve markets in the Mid-Atlantic, Southeast and Midwest. The area is strategically located midway between Atlanta-Pittsburgh, Charlotte-Cincinnati, and Richmond-Louisville, and is within a day’s drive of more than half of the U.S. population. A regional airport located in Bristol, Tennessee serves the area with commercial flights to and from major cities in the United States. Commercial rail service providers include CSX Transportation and Norfolk Southern Railways.

 

The Tri-State Area has a diversified economy supported by natural resources, which include coal, natural gas, limestone, and timber; agriculture; healthcare; education; technology; manufacturing and services industries. Predominantly, the market is comprised of locally owned and operated small businesses. Considerable investments in high-technology communications, high-speed broadband network and infrastructure have been made which has opened the area to large technology companies and future business development potential for new and existing businesses. Businesses are taking advantage of the low cost of doing business, training opportunities, available workforce and an exceptional quality of life experience for employers and employees alike.

 

Internet Site

 

Our internet banking site can be accessed at www.newpeoples.bank. The site includes a customer service area that contains branch and Interactive Teller Machine (ITM) locations, product descriptions and current interest rates offered on deposit accounts. Customers with internet access can apply for loans, open deposit accounts online, access account balances, make transfers between accounts, enter stop payment orders, order checks, and use an optional bill paying service.

 

Available Information

 

We file annual, quarterly, and current reports, proxy statements and other information with the Securities and Exchange Commission (the SEC). The SEC maintains an internet site that contains reports, proxy and information statements and other information regarding issuers, like us, that file electronically with the SEC. Our SEC filings are filed electronically and are available to the public online at the SEC’s web site at www.sec.gov. We also provide a link to our filings on the SEC website, free of charge, through our internet website https://newpeoples.bank/Bankshares-About-Us under "Investor Relations." Information on the websites of the Company and the Bank is not a part of, and is not incorporated into, this report or any other filings the Company makes with the SEC.

 

COVID-19 Pandemic

 

The outbreak of the novel coronavirus (COVID-19) has adversely impacted and continues to impact certain industries in which the Company's customers operate and may have impaired their ability to fulfill their outstanding obligations due to continued financial distress. The spread of COVID-19 has caused unprecedented uncertainty, volatility and disruption in the U.S. and global economy at large. The Company’s business is dependent upon the willingness and ability of our employees and customers to conduct banking and other financial transactions. With the easing of restrictions during the latter part of 2020 and into 2021, and the availability and distribution of vaccines, the U.S. economy has begun to improve as consumer and business spending has rebounded in recent months. However, the lasting effects are uncertain as government aid programs and stimulus packages taper, and the ultimate long-term impact of the business shutdowns that occurred as a result of COVID-19 remains uncertain in many sectors of the economy, such as the travel, hospitality and entertainment industries. This may cause business sectors that have had better recoveries not to be able to maintain those recoveries in the long term. Although the Company has business continuity plans and other safeguards in place, there is no assurance that such plans and safeguards will continue to be effective 

5

 

 

To help address the impact of the pandemic the Bord of Governors of the Federal Reserve System (Federal Reserve) lowered the federal funds target rate to a range of between zero and 0.25% during the first quarter of 2020. Throughout 2021, the Federal Reserve maintained the targeted federal funds rate at these in response to the pandemic related risks to the economy. The Company’s earnings and related cash flows are largely dependent upon net interest income, representing the difference between interest income received on interest-earnings assets, primarily loans and securities, and the interest paid on interest-bearing liabilities, primarily customer deposits and borrowed funds. As a result of the significant decline in interest rates and prepayments on higher yielding existing loans, the yield on the total loan portfolio has decreased. Additionally, with significant cash inflows realized from a growth in deposits and the forgiveness of Paycheck Protection Program (PPP) loans, the current yields on funds reinvested into the purchase of securities are lower than existing portfolio yields. However, the fees arising from the PPP loan program have mitigated some of this decline during 2020 and 2021. As economic conditions have started to improve, the Federal Reserve has begun to shift its focus to limiting the inflationary and other potentially adverse effects of the expiration of government aid programs and stimulus packages. Since the Company's balance sheet is asset sensitive and rate sensitive assets reprice more quickly than rate sensitive liabilities, margin compression may be somewhat mitigated during 2022 in the event that the Federal Reserve begins to raise rates.

 

The U.S. government also enacted certain fiscal stimulus measures in several phases to assist in counteracting the economic disruptions caused by the pandemic. On March 6, 2020, the Coronavirus Preparedness and Response Supplemental Appropriations Act was enacted to authorize funding for research and development of vaccines and to allocate money to state and local governments for response and containment measures. On March 18, 2020, the Families First Coronavirus Response Act was put in place to provide for paid sick/medical leave, no-cost coverage for testing, expanded unemployment benefits and additional funding to states for the ongoing economic consequences of the pandemic. On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) was signed into law. Among other measures, the CARES Act provided $349 billion for the PPP administered by the U.S. Small Business Administration (SBA) to assist qualified small businesses with certain operational expenses, certain credits for individuals and their dependents against their 2020 personal income tax and expanded eligibility for unemployment benefits. This legislation was later amended on April 24, 2020, by the PPP and Healthcare Enhancement Act which provided an additional $310 billion of funding for PPP loans.

 

Certain provisions within the CARES Act encourage financial institutions to practice prudent efforts to work with borrowers impacted by the pandemic. Under these provisions, loan modifications deemed to be COVID-19 related would not be considered a troubled debt restructuring (TDR) if the loan was not more than 30 days past due as of December 31, 2019 and the deferral was executed between March 1, 2020 and the earlier of 60 days after the date of the termination of the COVID-19 national emergency or December 31, 2020. This provision was extended, and expired on January 1, 2022 under the Consolidated Appropriations Act, 2021. The banking regulators issued a similar guidance, which also clarified that a COVID-19 related modification should not be considered a TDR if the borrower was current on payments at the time the underlying loan modification program was implemented and if the modification is considered to be short-term. The Company implemented a short-term modification program to provide relief to consumer and commercial customers following the guidelines of these provisions. Most modifications fall into the 90 to 180-day range with deferred principal and interest due and payable on the maturity date of the existing loans. Specific detail describing these modifications made in relation to the CARES Act can be found in the Loans and Troubled Debt Restructurings discussions in Notes 6 and 8 to the Consolidated Financial Statements contained in Item 8 of this Form 10-K.

 

Following the enactment of these provisions, in December 2020, the Consolidated Appropriations Act, 2021 was enacted to provide additional economic stimulus to individuals and businesses in response to the extended economic distress caused by the pandemic. This included additional stimulus payments to individuals and their dependents, and extension of enhanced unemployment benefits, $284 billion of additional funds for a second round of PPP loans and a new simplified forgiveness procedure for PPP loans of $150,000 or less. The Bank was a lender for the initial SBA program and closed 665 PPP loans totaling $44.5 million. During the second round of PPP funding, the Bank closed an additional 568 loans, totaling $25.3 million.

 

As the pandemic entered its second year, the Company continued practices implemented at the outset of the pandemic to support the safety and well-being of the employees, customers and shareholders including the following measures:

 

·The pandemic response team continued to meet regularly to address the various aspects of the pandemic and formulate the Bank’s response to pandemic-related issues that impact customers, employees and the communities we serve.

6

 

·The 2021 annual shareholder meeting was held virtually, as will the 2022 meeting.
·Non-essential travel and large external gatherings continued to be restricted and mandatory quarantine periods and testing remained in place for anyone that had known exposure to COVID-19.
·Remote-access availability continued to enable, where possible, work at home or alternate locations, in order to segregate employees in operational areas to mitigate possible spread of illness to an entire department.
·Drive-thru services, along with the use of ITMs, internet banking and mobile banking services were encouraged, during periods where lobby services were temporarily discontinued. Full lobby services were reinstituted in late 2021.

 

As the COVID-19 virus mutated, waves of new global infections impacted our local communities, with hospitalizations and deaths reaching and exceeding levels experienced during the initial spread of the virus. As with much of the country, a sharp decrease in infections and hospitalizations has been experienced since the beginning of March, 2022. While we cannot rule out another wave of infections from a new variant of the virus, it does appear that there is a sense of normalcy returning to the country that should allow for a return to a more business as usual function of our operations.

 

Banking Services

 

General. We accept deposits, make consumer and commercial loans, issue drafts, and provide other services customarily offered by a commercial bank, such as business and personal checking and savings accounts, walk-up tellers, drive-in windows, and 24-hour interactive teller machines. The Bank is a member of the Federal Reserve System and its deposits are insured under the Federal Deposit Insurance Act (the FDIA) to the maximum limit.

 

Loans. Generally, we offer a full range of short-to-medium term commercial, 1-4 family residential mortgages and personal loans. Commercial loans include both secured and unsecured loans for working capital (including inventory and receivables), business expansion (including acquisition of real estate and improvements) and purchase of equipment and machinery. Consumer loans may include secured and unsecured loans for financing automobiles, home improvements, education, personal investments and other purposes.

 

Our lending activities are subject to a variety of lending limits imposed by state law. While differing limits may apply in certain circumstances based on the type of loan or the nature of the borrower (including the borrower’s relationship to the Bank), the Bank generally is subject to a loans-to-one-borrower limit of an amount equal to 15% of its capital and surplus plus the allowance for loan losses. The Bank voluntarily may choose to impose a policy limit on loans to a single borrower that is less than the legal lending limit.

 

We obtain short-to-medium term commercial and personal loans through direct solicitation of business owners and continued business from existing customers. Completed loan applications are reviewed by our loan officers. As part of the application process, information is obtained concerning the income, financial condition, employment and credit history of the applicant. If commercial real estate is involved, information is also obtained concerning cash flow after debt service. Loan quality is analyzed based on the Bank’s experience and its credit underwriting guidelines.

 

Commercial Loans. We make commercial loans to qualified businesses in our market area. Our commercial lending consists primarily of commercial and industrial loans to finance accounts receivable, inventory, property, plant and equipment. Commercial business loans generally have a higher degree of risk than residential mortgage loans, but have commensurately higher yields. Residential mortgage loans are generally made on the basis of the borrower’s ability to make repayment from employment and other income and are secured by real estate whose value tends to be easily ascertainable. In contrast, commercial business loans typically are made on the basis of the borrower’s ability to make repayment from cash flow from its business and are secured by business assets, such as commercial real estate, accounts receivable, equipment and inventory. As a result, the availability of funds for the repayment of commercial business loans may be substantially dependent on the success of the business itself.

 

In 2020 and 2021, commercial loans also include PPP loans that were made to assist small businesses and non-profit organizations during the pandemic to cover payroll costs and other permitted expenses. These loans are fully guaranteed by the SBA.

 

Further, the collateral for commercial business loans may depreciate over time and cannot be appraised with as much precision as residential real estate. To manage these risks, our underwriting guidelines generally require us to secure commercial loans with both the assets of the borrowing business and other additional collateral and guarantees that may be available. In addition, we actively monitor certain measures of the borrower, including advance rate, cash flow, collateral value and other appropriate credit factors.

 

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Residential Mortgage Loans. Our residential mortgage loans consist of residential first and second mortgage loans, residential construction loans, home equity lines of credit and term loans secured by first and second mortgages on the residences of borrowers for home improvements, education and other personal expenditures. We make mortgage loans with a variety of terms, including fixed and floating or variable rates and a variety of maturities.

 

Under our underwriting guidelines, residential mortgage loans are generally made on the basis of the borrower’s ability to make repayment from employment and other income and are secured by real estate whose value tends to be easily ascertainable. These loans are made consistent with our appraisal policies and real estate lending policies, which detail maximum loan-to-value ratios and maturities.

 

Construction Loans. Construction lending entails significant additional risks compared to residential mortgage lending. Construction loans often involve larger loan balances concentrated with single borrowers or groups of related borrowers. Construction loans also involve additional risks attributable to the fact that loan funds are advanced upon the security of property under construction, which is of uncertain value prior to the completion of construction. Thus, it is more difficult to evaluate the total loan funds required to complete a project and related loan-to-value ratios accurately. To minimize the risks associated with construction lending, loan-to-value limitations for residential, multi-family and non-residential construction loans are in place. These are in addition to the usual credit analyses of borrowers. Management feels that the loan-to-value ratios help to minimize the risk of loss and to compensate for normal fluctuations in the real estate market. Maturities for construction loans generally range from 4 to 12 months for residential property and from 6 to 18 months for non-residential and multi-family properties.

 

Consumer Loans. Our consumer loans consist primarily of installment loans to individuals for personal, family and household purposes. The specific types of consumer loans that we make include home improvement loans, debt consolidation loans and general consumer lending. Consumer loans entail greater risk than residential mortgage loans, particularly in the case of consumer loans that are unsecured, such as lines of credit, or secured by rapidly depreciating assets such as automobiles. In such cases, any repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance due to the greater likelihood of damage, loss or depreciation. The remaining deficiency often does not warrant further substantial collection efforts against the borrower. In addition, consumer loan collections are dependent on the borrower’s continuing financial stability, and thus are more likely to be adversely affected by job loss, divorce, illness or personal bankruptcy. Furthermore, the application of various federal and state laws, including federal and state bankruptcy and insolvency laws, may limit the amount which can be recovered on such loans. A borrower may also be able to assert against the Bank as an assignee any claims and defenses that it has against the seller of the underlying collateral.

 

Our underwriting policy for consumer loans seeks to limit risk and minimize losses, primarily through a careful analysis of the borrower’s creditworthiness. In evaluating consumer loans, we require our lending officers to review the borrower’s level and stability of income, past credit history and the impact of these factors on the ability of the borrower to repay the loan in a timely manner. In addition, we maintain an appropriate margin between the loan amount and collateral value.

 

Deposits. We offer a variety of deposit products for both individual and business customers. These include demand deposit, interest-bearing demand deposit, savings deposit, money market, health savings and individual retirement (IRA) deposit accounts. In addition, we offer certificates of deposit with terms ranging from 7 days to 60 months, including IRAs with terms ranging from 12 months to 60 months.

 

Investment Services. We offer a variety of investment services for both individual and business customers. These services include fixed income products, variable annuities, mutual funds, indexed certificates of deposit, individual retirement accounts, long term care insurance, employee group benefit plans, college savings plans, financial planning, managed money accounts, and estate planning. We offer these services through our broker-dealer relationship with Infinex Investments, Inc.

 

Other Bank Services. Other bank services include safe deposit boxes, cashier’s checks, certain cash management services, direct deposit of payroll and social security checks and automatic drafts for various accounts. We offer ITM and debit card services that can be used by our customers throughout our service area and other regions. We also offer consumer and commercial VISA credit card services. Electronic banking services include debit cards, internet banking, telephone banking, mobile banking, remote deposit capture; merchant transaction processing and wire transfers.

 

We do not presently anticipate obtaining trust powers, but we are able to provide similar services through our affiliation with Infinex Investments, Inc. Additionally, we have initiated programs of differentiator presentations focusing on such issues as financial literacy and elder abuse. We believe that these types of programs assist our local communities and highlight the skills of our financial service providers. 

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Competition

 

The financial services business is highly competitive. We compete as a financial intermediary with other commercial banks, credit unions, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, money market mutual funds and other financial institutions operating in the southwestern Virginia, southern West Virginia, eastern Tennessee, and western North Carolina market areas and elsewhere, including online financial services providers. Our market area is a highly competitive, highly branched banking market.

 

Competition in the market area for loans to small businesses and professionals, the Bank’s target market, is intense, and pricing is important. Many of our larger competitors have substantially greater resources and lending limits than we have. They offer certain services, such as extensive and established branch networks and trust services that we do not provide or do not expect to provide in the near future. Moreover, larger institutions operating in the market area have access to borrowed funds at lower costs than are available to us. Prior to the pandemic, deposit competition among institutions in our market area also was strong, resulting in the possibility of our paying above-market rates to attract or retain deposits. As the pandemic wanes, and funds received into our customers’ deposit accounts from PPP loans and stimulus payments are drawn down, we anticipate more intense deposit competition to return.

 

While pricing is important, our principal method of countering the competition is service. As a community banking organization, we strive to serve the banking needs of our customers while developing personal, hometown relationships with them. Additionally, we worked to implement and enhance digital banking services prior to the onset of the pandemic. As a result, we provide a significant amount of service and a range of products through multiple channels at reasonable fees.

 

According to a market share report prepared by the Federal Deposit Insurance Corporation (the FDIC), as of June 30, 2021, the most recent date for which market share information is available, the Bank’s deposits as a percentage of total deposits in its major market areas were as follows:

 

County or City   % of Market
Scott County, VA   34.19%
Dickenson County, VA   33.93%
Russell County, VA   25.99%
Buchanan County, VA   11.57%
Wise County, VA   10.01%
Tazewell County, VA   9.15%
Mercer County, WV   5.98%
Washington County, VA   5.32%
Smyth County, VA   4.02%
City of Bristol, VA   3.65%
City of Kingsport, TN   2.43%

 

Employees

 

As of December 31, 2021, we had 205 total employees, of which 198 were full-time employees. None of our employees is covered by a collective bargaining agreement, and we consider relations with employees to be excellent.

 

Supervision and Regulation

 

General. As a financial holding company, we are subject to regulation under the Bank Holding Company Act of 1956, as amended (BHCA), and the examination and reporting requirements of the Federal Reserve. We are also subject to the provisions of the Code of Virginia governing bank holding companies. As a state-chartered commercial bank, the Bank is subject to regulation, supervision and examination by the Virginia State Corporation Commission’s Bureau of Financial Institutions (BFI). As a member of the Federal Reserve System, the Bank is also subject to regulation, supervision and examination by the Federal Reserve. Other federal and state laws, including various consumer protection and compliance laws, also govern the activities of the Bank.

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The following description summarizes the most significant federal and state laws applicable to New Peoples and its subsidiaries. To the extent that statutory or regulatory provisions are described, the description is qualified in its entirety by reference to that particular statutory or regulatory provision.

 

The Bank Holding Company Act. Under the BHCA, the Federal Reserve examines New Peoples periodically. New Peoples is also required to file periodic reports and provide any additional information that the Federal Reserve may require. Activities at the bank holding company level are generally limited to:

 

•       banking, managing or controlling banks;

 

•       furnishing services to or performing services for its subsidiaries; and

 

•       engaging in other activities that the Federal Reserve has determined by

regulation or order to be so closely related to banking as to be a proper

incident to these activities.

 

Thus, the activities we can engage in are restricted as a matter of law.

 

With some limited exceptions, the BHCA requires every bank holding company to obtain the prior approval of the Federal Reserve before:

 

•       acquiring substantially all the assets of any bank;

 

•       acquiring direct or indirect ownership or control of any voting shares

of any bank if after such acquisition it would own or control more than 5%

of the voting shares of such bank (unless it already owns or controls the

majority of such shares); or

•       merging or consolidating with another bank holding company.

 

As a result, our ability to engage in certain strategic activities is conditioned on regulatory approval.

 

In addition, and subject to some exceptions, the BHCA and the Change in Bank Control Act require Federal Reserve approval prior to any person or company acquiring “control” of a bank holding company as defined in the statutes and regulations. These requirements make it more difficult for control of our company to change or for us to acquire substantial investments.

 

Financial Holding Company. As of March 4, 2016, the Company elected to become qualified as a financial holding company (FHC). The Gramm-Leach-Bliley Act (GLBA) created this category of bank holding companies. FHC’s may directly or indirectly through subsidiaries engage in financial activities and activities “incidental” or “complementary” to financial activities. Generally, an FHC need not give prior notice of such activities, but must notify the Federal Reserve within 30 days after an event.

 

The BHCA provides a long list of “financial” activities that may be engaged in by FHCs such as underwriting, brokering or selling insurance; providing financial or investment advice or underwriting, dealing in or making a market in securities.

 

There are other potential “financial” activities in which the Federal Reserve is permitted to designate as permitted financial or incidental to financial activities.

 

We do not currently undertake activities specifically permitted to us as an FHC that are not otherwise permissible for bank holding companies not qualified as FHCs.

 

Bureau of Financial Institutions (BFI). As a bank holding company registered with the Commonwealth of Virginia State Corporation Commission’s BFI, we must provide the BFI with information concerning our financial condition, operations and management, among other reports required by the BFI. New Peoples is also examined by the BFI in addition to its Federal Reserve examinations. Similar to the BHCA, the Code of Virginia requires that the BFI approve the acquisition of direct or indirect ownership or control of more than 5% of the voting shares of any Virginia bank or bank holding company like us.

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Payment of Dividends. New Peoples is a separate legal entity that derives the majority of its revenues from dividends paid to it by its subsidiaries. The Bank is subject to laws and regulations that limit the amount of dividends it can pay. In addition, both New Peoples and the Bank are subject to various regulatory restrictions relating to the payment of dividends, including requirements to maintain capital at or above regulatory minimums. Banking regulators have indicated that banking organizations should generally pay dividends only if the organization’s net income available to common shareholders over the past year has been sufficient to fully fund the dividends and the prospective rate of earnings retention appears consistent with the organization’s capital needs, asset quality and overall financial condition. The FDIC has the general authority to limit the dividends paid by FDIC insured banks if the FDIC deems the payment to be an unsafe and unsound practice. The FDIC has indicated that paying dividends that deplete a bank’s capital base to an inadequate level would be an unsound and unsafe banking practice.

 

Capital Adequacy. The federal banking regulators have issued substantially similar capital requirements applicable to all banks and bank holding companies. In addition, those regulators may from time to time require that a banking organization maintain capital above the minimum levels because of its financial condition or actual or anticipated growth.

 

The Company meets the eligibility criteria to be considered a small bank holding company in accordance with the Federal Reserve’s Small Bank Holding Company Policy Statement issued in February, 2015 and does not report consolidated regulatory capital. With respect to the Bank, the “prompt corrective action” regulations pursuant to Section 38 of the Federal Deposit Insurance Act (FDIA) are set forth in the following table:

 

 

  Total Risk   Tier 1 Risk   CET1 Risk    
  Based Capital   Based Capital   Based Capital   Leverage
  Ratio   Ratio   Ratio   Ratio
Well Capitalized ≥ 10%   ≥ 8%   ≥ 6.5%   ≥ 5%
Adequately Capitalized ≥ 8%   ≥ 6%   ≥ 4.5%   ≥ 4%
Undercapitalized < 8%   < 6%   < 4.5%   < 4%
Significantly Undercapitalized < 6%   < 4%   < 3%   < 3%
Critically Undercapitalized Tangible equity to total assets ≤ 2%

 

The FDIA requires the federal banking regulators to take “prompt corrective action” if a depository institution does not meet minimum capital requirements as set forth above. Generally, a receiver or conservator for a bank that is “critically undercapitalized” must be appointed within specific time frames. The regulations also provide that a capital restoration plan must be filed within 45 days of the date a bank is deemed to have received notice that it is “undercapitalized,” “significantly undercapitalized” or “critically undercapitalized.” Any holding company for a bank required to submit a capital restoration plan must guarantee the lesser of (i) an amount equal to 5% of the bank’s assets at the time it was notified or deemed to be undercapitalized by a regulator, or (ii) the amount necessary to restore the bank to adequately capitalized status. This guarantee remains in place until the bank is notified that it has maintained adequately capitalized status for specified time periods. Additional measures with respect to undercapitalized institutions include a prohibition on capital distributions, growth limits and restrictions on activities.

 

The Bank is also subject to the rules implementing the Basel III capital framework and certain related provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the Dodd-Frank Act). The final rules established minimum capital ratios plus a “capital conservation buffer” designed to absorb losses during periods of economic stress. The phase-in of the capital conservation buffer requirement began on January 1, 2016, at 0.625% of risk-weighted assets, increasing by the same amount each year until it was fully implemented at 2.5% on January 1, 2019. The final provisions for banks with $250 billion or less in total assets, such as the Bank, are set forth in the following table:

 

Minimum Leverage Ratio       4.00%    
Minimum CET1 Risk Based Capital Ratio       4.50%    
Capital Conservation Buffer (1)       2.50%    
Minimum Tier CET1 Risk Based Capital Ratio with Capital Conservation Buffer       7.00%    
Minimum Tier 1 Risk Based Capital Ratio       6.00%    
Minimum Tier 1 Risk Based Capital Ratio with Capital Conservation Buffer       8.50%    
Minimum Total Risk Based Capital Ratio       8.00%    
Minimum Total Risk Based Capital Ratio with Capital Conservation Buffer       10.50%    

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(1)The capital conservation buffer must be maintained in order for a banking organization to avoid being subject to limitations on capital distributions, including dividend payments, and discretionary bonus payments to executive officers.

 

The final rules include comprehensive guidance with respect to the measurement of risk-weighted assets.  For residential mortgages, Basel III retains the risk-weights contained in the prior capital rules, which assign a risk-weight of 50% to most first-lien exposures and 100% to other residential mortgage exposures.  The final rule increased the risk-weights associated with certain on-balance sheet assets, such as high volatility commercial real estate loans, and loans that are more than 90 days past due or in nonaccrual status. Capital requirements also increased for certain off-balance sheet exposures including, for example, loan commitments with an original maturity of one year or less.

 

Under the final rules, certain banking organizations, including the Company and the Bank, were permitted to make a one-time election to continue the prior treatment of excluding from regulatory capital most accumulated other comprehensive income (AOCI) components, including amounts relating to unrealized gains and losses on available-for-sale debt securities and amounts attributable to defined benefit post-retirement plans.  Institutions that elected to exclude most AOCI components from regulatory capital under Basel III will be able to avoid volatility that would otherwise be caused by things such as the impact of fluctuations in interest rates on the fair value of available-for-sale debt securities.  The Company and the Bank elected to exclude AOCI components from regulatory capital under Basel III.

 

Failure to meet capital guidelines could subject a bank to a variety of enforcement remedies, including issuance of a capital directive, the termination of deposit insurance by the FDIC, a prohibition on taking brokered deposits and certain other restrictions on its business. As described below, the FDIC can impose substantial additional restrictions upon FDIC-insured depository institutions that fail to meet applicable capital requirements as set forth above.

 

On September 17, 2019, the federal banking regulators jointly issued a final rule required by the Economic Growth, Regulatory Reform and Consumer Protection Act (EGRRCPA) that permits qualifying banks and bank holding companies that have less than $10 billion in consolidated assets, such as New Peoples and the Bank, to elect to be subject to a 9% leverage ratio that would be applied using less complex leverage calculations (commonly referred to as the community bank leverage ratio or CBLR). Under the rule, which became effective on January 1, 2020, banks and bank holding companies that opt into the CBLR framework and maintain a CBLR of greater than 9% are not subject to other risk-based and leverage capital requirements under the Basel III rules and would be deemed to have met the well capitalized ratio requirements under the “prompt corrective action” framework. The CARES Act directed federal banking agencies to adopt interim final rules to lower the threshold under the CBLR from 9% to 8% and to provide a reasonable grace period for a community bank that falls below the threshold to regain compliance, in each case until the earlier of the termination date of the national emergency or December 31, 2020. In April 2020, the federal bank regulatory agencies issued two interim final rules implementing this directive. One interim final rule provided that, as of the second quarter 2020, banking organizations with leverage ratios of 8% or greater (and that meet the other existing qualifying criteria) could elect to use the CBLR framework. It also established a two-quarter grace period for qualifying community banking organizations whose leverage ratios fall below the 8% CBLR requirement, so long as the banking organization maintains a leverage ratio of 7% or greater. The second interim final rule provided a transition from the temporary 8% CBLR requirement to a 9% CBLR requirement. It established a minimum CBLR of 8% for the second through fourth quarters of 2020, 8.5% for 2021, and 9% thereafter, and maintained a two-quarter grace period for qualifying community banking organizations whose leverage ratios fall no more than 100 basis points below the applicable CBLR requirement. We have not adopted the CBLR framework.

 

For further detail on capital and capital ratios, see discussion contained in Item 7, “Management’s Discussion and Analysis of Financial Condition and Results of Operations,” sections “Capital Resources” and “Liquidity,” and in Item 8, “Financial Statements and Supplementary Data,” “Consolidated Financial Statements and Notes,” Note 21, “Capital.”

 

Other Safety and Soundness Regulations. There are a number of obligations and restrictions imposed on banks and financial or bank holding companies and their bank subsidiaries by federal law and regulatory policy that are designed to reduce potential loss exposure to the depositors of such depository institutions and to the FDIC insurance funds in the event that the depository institution is insolvent or is in danger of becoming insolvent. For example, the Federal Reserve requires a bank or financial or bank holding company to serve as a source of financial strength to its subsidiary depository institutions and to commit resources to support such institutions in circumstances where it might not do so otherwise. These requirements can restrict the ability of bank holding companies to deploy their capital as they otherwise might.

 

Interstate Banking and Branching. Banks in Virginia may branch without geographic restriction. Current federal law authorizes interstate acquisitions of banks and bank holding companies without geographic limitation. Bank holding companies may acquire banks in any state without regard to state law except for state laws requiring a minimum time a bank must be in existence to be acquired. The Code of Virginia generally permits out of state bank holding companies or banks to acquire Virginia banks or bank holding companies subject to regulatory approval. These laws have the effect of increasing competition in banking markets.

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Monetary Policy. The commercial banking business is affected not only by general economic conditions but also by the monetary policies of the Federal Reserve. The Federal Reserve’s monetary policies have had a significant effect on the operating results of commercial banks in the past and are expected to continue to do so in the future. In view of unsettled conditions in the national and international political environment, economy and money markets, as well as governmental fiscal and monetary policies, their impact on interest rates, deposit levels, loan demand or the business and earnings of the Bank is unpredictable.

 

Federal Reserve System. Depository institutions that maintain transaction accounts or nonpersonal time deposits are subject to reserve requirements. These reserve requirements are subject to adjustment by the Federal Reserve. Because required reserves must be maintained in the form of vault cash or in a non-interest-bearing account at, or on behalf of, a Federal Reserve Bank, the effect of the reserve requirement is to reduce the amount of the institution’s interest-earning assets.

 

Transactions with Affiliates. Transactions between banks and their affiliates are governed by Sections 23A and 23B of the Federal Reserve Act. These provisions restrict the amount of, and provide conditions with respect to, loans, investments, transfers of assets and other transactions between New Peoples and the Bank.

 

Loans to Insiders. The Bank is subject to rules on the amount, terms and risks associated with loans to executive officers, directors, principal shareholders and their related interests.

 

Community Reinvestment Act. Under the Community Reinvestment Act, depository institutions have an affirmative obligation to assist in meeting the credit needs of their market areas, including low and moderate-income areas, consistent with safe and sound banking practices. The Community Reinvestment Act emphasizes the delivery of bank products and services through branch locations in a bank’s market areas and requires banks to keep data reflecting their efforts to assist in its community’s credit needs. Depository institutions are periodically examined for compliance with the Community Reinvestment Act and are assigned ratings in this regard. Banking regulators consider a depository institution’s Community Reinvestment Act rating when reviewing applications to establish new branches, undertake new lines of business, and/or acquire part or all of another depository institution. An unsatisfactory rating can significantly delay or even prohibit regulatory approval of a proposed transaction by a bank holding company or its depository institution subsidiaries. A bank holding company will not be permitted to become a financial holding company and no new activities authorized under the GLBA (see below) may be commenced by a holding company or by a bank financial subsidiary if any of its bank subsidiaries received less than a “Satisfactory” rating in its latest Community Reinvestment Act examination. The Bank received a rating of “Satisfactory” at its last Community Reinvestment Act performance evaluation, as of July 22, 2019.

 

Gramm-Leach-Bliley Act of 1999. The GLBA covers a broad range of issues, including a repeal of most of the restrictions on affiliations among depository institutions, securities firms and insurance companies. For example, the GLBA permits unrestricted affiliations between banks and securities firms. It also permits bank holding companies to elect to become FHCs, which can engage in a broad range of financial services as described above. In order to become an FHC, a bank holding company and all of its affiliated depository institutions must be well-capitalized, well-managed and have at least a satisfactory Community Reinvestment Act rating. On March 4, 2016 the Federal Reserve Bank of Richmond approved New Peoples’ election to become an FHC.

 

The GLBA also provides that the states continue to have the authority to regulate insurance activities, but prohibits the states, in most instances, from preventing or significantly interfering with the ability of a bank, directly or through an affiliate, to engage in insurance sales, solicitations or cross-marketing activities.

 

Anti-Money Laundering Legislation. New Peoples is subject to the Bank Secrecy Act and other anti-money laundering laws and regulations, including the Money Laundering Control Act of 1986, the USA PATRIOT Act of 2001, and the Anti-Money Laundering Act of 2020. Among other things, these laws and regulations require New Peoples to take steps to prevent the use of New Peoples for facilitating the flow of illegal or illicit money, to report large currency transactions, and to file suspicious activity reports. The Company is also required to carry out a comprehensive anti-money laundering compliance program. Violations can result in substantial civil and criminal sanctions. In addition, provisions of the USA Patriot Act require the federal bank regulatory agencies to consider the effectiveness of a financial institution’s anti-money laundering activities when reviewing bank mergers and bank holding company acquisitions.

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Privacy and Fair Credit Reporting. Financial institutions, such as the Bank, are required to disclose their privacy policies to customers and consumers and require that such customers or consumers be given a choice (through an opt-out notice) to forbid the sharing of nonpublic personal information about them with nonaffiliated third persons. The Bank also requires business partners with whom it shares such information to assure the Bank that they have adequate security safeguards and to abide by the redisclosure and reuse provisions of applicable law. In addition to adopting federal requirements regarding privacy, individual states are authorized to enact more stringent laws relating to the use of customer information. To date, Virginia has not done so. These privacy laws create compliance obligations and potential liability for the Bank.

 

Mortgage Banking Regulation. The Bank is subject to rules and regulations related to mortgage loans that, among other things, establish standards for loan origination, prohibit discrimination, provide for inspections and appraisals of property, require credit reports on prospective borrowers, in some cases restrict certain loan features and fix maximum interest rates and fees, require the disclosure of certain basic information to mortgagors concerning credit and settlement costs, limit payment for settlement services to the reasonable value of the services rendered and require the maintenance and disclosure of information regarding the disposition of mortgage applications based on race, gender, geographical distribution and income level. The Bank is also subject to rules and regulations that require the collection and reporting of significant amounts of information with respect to mortgage loans and borrowers. The Bank’s mortgage origination activities are subject to the Federal Reserve’s Regulation Z, which implements the Truth in Lending Act. Certain provisions of Regulation Z require creditors to make a reasonable and good faith determination based on verified and documented information that a consumer applying for a mortgage loan has a reasonable ability to repay the loan according to its terms. To the extent that we make mortgage loans, we are required to comply with these rules, subject to available exceptions.

 

Sarbanes-Oxley Act. The Sarbanes-Oxley Act of 2002 (the Sarbanes-Oxley Act) is intended to increase corporate responsibility, provide enhanced penalties for accounting and auditing improprieties by publicly traded companies and to protect investors by improving the accuracy and reliability of corporate disclosures made pursuant to the securities law. The changes required by the Sarbanes-Oxley Act and its implementing regulations are intended to allow shareholders to monitor the performance of companies and their directors more easily and effectively.

 

The Sarbanes-Oxley Act generally applies to all domestic companies, such as New Peoples, that file periodic reports with the Securities and Exchange Commission (SEC) under the Securities Exchange Act of 1934, as amended. The Sarbanes-Oxley Act includes significant additional disclosure requirements and expanded corporate governance rules and the SEC has adopted extensive additional disclosures, corporate governance provisions and other related rules pursuant to it. New Peoples has expended, and will continue to expend, considerable time and money in complying with the Sarbanes-Oxley Act.

 

Federal Deposit Insurance Corporation. The Bank’s deposits are insured by the Deposit insurance Fund, as administered by the FDIC, to the maximum amount permitted by law, which is $250,000 per depositor. The FDIC uses a “financial ratios method” based on “CAMELS” composite ratings to determine deposit insurance assessment rates for small established institutions with less than $10 billion in assets, such as the Bank. The CAMELS rating system is a supervisory rating system designed to take into account and reflect all financial and operational risks that a bank may face, including capital adequacy, asset quality, management capability, earnings, liquidity and sensitivity to market risk (CAMELS). CAMELS composite ratings set a maximum assessment for banks rated CAMELS 1 and 2, and set minimum assessments for lower rated institutions. In 2021 and 2020, the Company recorded expense of $266 thousand and $393 thousand, respectively, for FDIC insurance premiums.

 

Dodd-Frank Wall Street Reform and Consumer Protection Act. The Dodd-Frank Act was signed into law on July 21, 2010. Its wide-ranging provisions affect all federal financial regulatory agencies and nearly every aspect of the American financial services industry. Among the provisions of the Dodd-Frank Act that directly impacted the Company was the creation of an independent Consumer Financial Protection Bureau (CFPB), which has the ability to write rules for consumer protections governing all financial institutions. All consumer protection responsibility formerly handled by other banking regulators is consolidated in the CFPB. It also oversees the enforcement of all federal laws intended to ensure fair access to credit. For smaller financial institutions, such as the Company and the Bank, the CFPB coordinates its examination activities through their primary regulators.

 

The Dodd-Frank Act contains provisions designed to reform mortgage lending, which includes the requirement of additional disclosures for consumer mortgages. The EGRRCPA modified a number of these requirements, including, for smaller institutions (under $10 billion in total assets) that qualify, a safe harbor for compliance with the “ability to pay” requirements for consumer mortgage loans. The CFPB has implemented mortgage lending regulations to carry out its mandate. In addition, the Federal Reserve has issued rules limiting the fees charged to merchants by credit card companies for debit card transactions. The result of these rules is to limit the amount of interchange fee income available explicitly to larger banks and indirectly to us. The Dodd-Frank Act also contains provisions that affect corporate governance and executive compensation.

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The Dodd-Frank Act has had, and may in the future have, a material impact on New Peoples’ operations, particularly through increased compliance costs resulting from new and possible future consumer and fair lending regulations. Any future changes resulting from the Dodd-Frank Act may affect the profitability of business activities, require changes to certain business practices, impose more stringent regulatory requirements or otherwise adversely affect the business and financial condition of New Peoples and the Bank. These changes may also require New Peoples to invest significant management attention and resources to evaluate and make necessary changes to comply with new statutory and regulatory requirements.

 

The Economic Growth, Regulatory Reform and Consumer Protection Act of 2018. The EGRRCPA, which became effective in May 2018, amended provisions of the Dodd-Frank Act and other statutes administered by banking regulators. Among these amendments are provisions exempting insured depository institutions (and their parent companies) with less than $10 billion in consolidated assets and meeting certain other asset and liabilities trading tests from the Volker Rule, which prohibits banks from conducting certain investment activities with their own accounts. The EGRRCPA required the regulators to promulgate rules establishing the new CBLR, as described above. The Act increased the asset threshold from $1 billion to $3 billion for financial institutions to qualify for a less burdensome 18-month on-site examination schedule. The EGRRCPA made numerous other changes in regulatory requirements based on the size and complexity of financial institutions, particularly benefiting smaller institutions like the Company.

 

Cyber Security. Federal regulators expect that financial institutions design multiple layers of security controls to establish lines of defense and to ensure that their risk management processes also address the risk posed by compromised customer credentials, including security measures to reliably authenticate customers accessing internet-based services of the financial institution. Additionally, a financial institution’s management is expected to maintain sufficient business continuity planning processes to ensure the rapid recovery, resumption and maintenance of the institution’s operations after a cyber-attack involving destructive malware. A financial institution is expected to maintain appropriate processes to enable recovery of data and business operations and address rebuilding network capabilities and restoring data if the institution or any of its critical service providers fall victim to this type of cyber-attack. If the Company fails to observe the regulatory guidance, it could be subject to various regulatory sanctions, including financial penalties.

 

Federal bank regulators recently issued a joint rule establishing computer-security incident notification requirements for banking organizations and their bank service providers, which takes effect on April 1, 2022, with full compliance extended to May 1, 2022. The rule requires a banking organization to notify its primary federal regulator of any significant computer-security incident as soon as possible and no later than 36 hours after the banking organization determines that a cyber incident has occurred. In addition, the final rule requires a bank service provider to notify affected banking organization customers as soon as possible when the provider determines that it has experienced a computer-security incident that has materially affected or is reasonably likely to materially affect banking organization customers for four or more hours. The rule defines computer-security incident as an occurrence that results in actual harm to the confidentiality, integrity, or availability of an information system or the information that the system processes, stores, or transmits.

 

Limitations on Incentive Compensation. The federal bank regulatory agencies have issued comprehensive final guidance on incentive compensation policies intended to ensure that the incentive compensation policies of financial institutions do not undermine the safety and soundness of such institutions by encouraging excessive risk-taking. The Interagency Guidance on Sound Incentive Compensation Policies, which covers all employees that have the ability to materially affect the risk profile of financial institutions, either individually or as part of a group, is based upon the key principles that a financial institution’s incentive compensation arrangements should (i) provide incentives that do not encourage risk-taking beyond the institution’s ability to effectively identify and manage risks, (ii) be compatible with effective internal controls and risk management, and (iii) be supported by strong corporate governance, including active and effective oversight by the financial institution’s board of directors.

 

The Federal Reserve will review, as part of the regular, risk-focused examination process, the incentive compensation arrangements of financial institutions, such as the Company and the Bank, that are not “large, complex banking organizations.” These reviews will be tailored to each financial institution based on the scope and complexity of the institution’s activities and the prevalence of incentive compensation arrangements. The findings of the supervisory initiatives will be included in reports of examination. Deficiencies will be incorporated into the institution’s supervisory ratings, which can affect the institution’s ability to make acquisitions and take other actions. Enforcement actions may be taken against a financial institution if its incentive compensation arrangements or related risk-management control or governance processes pose a risk to the institution’s safety and soundness, and the financial institution is not taking prompt and effective measures to correct the deficiencies. At December 31, 2021, the Company and the Bank have not been made aware of any instances of noncompliance with this guidance.

15

 

 

Other Laws. Banks and other depository institutions also are subject to other numerous consumer-oriented laws and regulations. These laws, which include the Truth in Lending Act, the Truth in Savings Act, the Real Estate Settlement Procedures Act, the Electronic Funds Transfer Act, the Equal Credit Opportunity Act, the Fair and Accurate Credit Transactions Act of 2003 and the Fair Housing Act, require compliance by depository institutions with various disclosure and consumer information handling requirements. These and other similar laws result in significant costs and create potential liability for financial institutions, including the imposition of regulatory penalties for inadequate compliance.

 

Future Regulatory Uncertainty. Because federal and state regulation of financial institutions changes regularly and is the subject of constant legislative debate, New Peoples cannot forecast how regulation of financial institutions may change in the future and impact its operations. New Peoples fully expects that the financial institution industry will remain heavily regulated notwithstanding the regulatory relief that has been recently adopted.

 

 

Item 1A. Risk Factors

 

Not required.

   

 

Item 1B. Unresolved Staff Comments

 

Not applicable.

 

 

Item 2. Properties

 

At December 31, 2021, the Company's net investment in premises and equipment was $20.7 million. Our main office and operations center are in Honaker, Virginia, which includes a full-service branch, and a separate administration and operations center.

 

The Bank owns 14 of its 18 full-service branch offices, including its headquarters office, plus its one limited-service branch. In addition to the headquarters in Honaker, Virginia we own or lease branch offices located in Virginia, West Virginia, Tennessee, and a loan production office in North Carolina. Additionally, the Bank owns two operations buildings, one housing its network operations and another that serves as our call center and ITM network operations center. The facility housing ITM network operations was closed on December 31, 2021, and those operations were transferred to our Abingdon, Virginia branch. We also own a warehouse facility in Honaker, Virginia. Our loan production office operates from a building in Boone, North Carolina under a short-term lease executed in November 2020.

 

A former branch office located in Jonesborough, Tennessee is being used as a hub for meeting with prospective loan customers.

 

During 2021, two branch locations were closed, Weber City, Virginia and Pound, Virginia, with customer accounts transferred to nearby offices. The renovation of the Bristol – W. State Street office was completed in 2021 and the office opened during the fourth quarter of 2021. Four former branch offices, Weber City, Virginia, Bristol, Virginia, Dungannon, Virginia, and Kingsport, Tennessee were sold in 2021. Three other former branch offices located in Pound, Virginia, Jonesville, Virginia and Bluewell, West Virginia, were transferred to other real estate owned in September 2021.

 

We continue to assess our branch network as we look to improve the efficiency of our branch operations while seeking to increase market share.

 

We believe that all of our properties are maintained in good operating condition and are suitable and adequate for our operational needs.

 

16

 

Item 3. Legal Proceedings

 

In the normal course of operations, we may become a party to legal proceedings, as discussed in Note 20 Legal Contingencies to the consolidated financial statements contained in Item 8 of this form 10-K.

 

 

Item 4. Mine Safety Disclosures

 

Not applicable.

 

 

PART II

 

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

 

(a)       Market Information

 

Computershare Investor Services is the stock transfer agent for New Peoples Bankshares, Inc. The common stock of New Peoples is quoted on the OTC Market’s Pink Open Market under the symbol “NWPP”. The volume of trading of shares of common stock is very limited. Trades in our common stock occur sporadically on a local basis and typically in small volumes. Over-the-Counter market quotations reflect inter-dealer prices without retail mark up, mark down or commissions and may not necessarily represent actual transactions.

 

The most recent sales price of which management is aware was $2.35 per share on March 23, 2022.

 

(b)       Holders

 

On March 23, 2022, there were approximately 4,321 shareholders of record.

 

(c)       Dividends

 

Any declaration of dividends in the future will depend on our earnings, capital requirements, growth strategies, and compliance with regulatory mandates principally at the Bank level since the Company’s primary source of income is dividends which it would receive from the Bank. While no dividend was paid in 2021, on February 28, 2022, the Company declared its first ever cash dividend of $0.05 per share, payable on March 31, 2022 to shareholders of record as of March 15, 2022.

 

We are subject to certain dividend restrictions and capital requirements imposed by the Federal Reserve Bank as well as Virginia statutes and regulations. See Note 16 Dividend Limitation on Subsidiary Bank and Note 21 Capital to the consolidated financial statements contained in Item 8 of this Form 10-K.

 

Item 6. [Reserved]

 

Not applicable.

 

 

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

 

Caution About Forward Looking Statements

 

We make forward looking statements in this annual report on Form 10-K that are subject to risks and uncertainties. These forward-looking statements include statements regarding expectations, intentions, projections and beliefs concerning our profitability, liquidity, and allowance for loan losses, interest rate sensitivity, market risk, growth strategy, and financial and other goals. The words “believes,” “expects,” “may,” “will,” “should,” “projects,” “contemplates,” “anticipates,” “forecasts,” “intends,” or other similar words or terms are intended to identify forward looking statements. The forward-looking information is based on various factors and was derived using numerous assumptions.

 

 

17

 

       Important factors that may cause actual results to differ from projections include:

  • the success or failure of our efforts to implement our business plan;
  • any required increase in our regulatory capital ratios;
  • satisfying other regulatory requirements that may arise from examinations, changes in the law and other similar factors;
  • deterioration of asset quality;
  • changes in the level of our nonperforming assets and charge-offs;
  • fluctuations of real estate values in our markets;
  • our ability to attract and retain talent;
  • demographical changes in our markets which negatively impact the local economy;
  • the uncertain outcome of current or future legislation or regulations or policies of state and federal regulators;
  • the successful management of interest rate risk;
  • the successful management of liquidity;
  • changes in general economic and business conditions in our market area and the United States in general;
  • credit risks inherent in making loans such as changes in a borrower’s ability to repay and our management of such risks;
  • competition with other banks and financial institutions, and companies outside of the banking industry, including online lenders and those companies that have substantially greater access to capital and other resources;
  • demand, development and acceptance of new products and services we have offered or may offer;
  • the effects of, and changes in, trade, monetary and fiscal policies and laws, including interest rate policies of the Federal Reserve, inflation, interest rate, market and monetary fluctuations;
  • the occurrence of significant natural disasters, including severe weather conditions, floods, health related issues (including the ongoing novel coronavirus (COVID-19) outbreak and the associated efforts to limit the spread of the disease), and other catastrophic events;
  • geopolitical conditions, including acts or threats of terrorism, international hostilities, or actions taken by the U.S. or other governments in response to acts or threats of terrorism and/or military conflicts, which could impact business and economic conditions in the U.S. and abroad;
  • technology utilized by us;
  • our ability to successfully manage cyber security;
  • our reliance on third-party vendors and correspondent banks;
  • changes in generally accepted accounting principles;
  • changes in governmental regulations, tax rates and similar matters; and,
  • other risks, which may be described, from time to time, in our filings with the SEC.

 

Because of these uncertainties, our actual future results may be materially different from the results indicated by these forward-looking statements. In addition, our past results of operations do not necessarily indicate our future results. We expressly disclaim any obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law.

 

General

 

The following commentary discusses major components of our business and presents an overview of our consolidated financial position at December 31, 2021 and 2020, as well as results of operations for the years ended December 31, 2021 and 2020. This discussion should be reviewed in conjunction with the consolidated financial statements and accompanying notes and other statistical information presented elsewhere in this Form 10-K.

 

New Peoples generates a significant amount of its income from the net interest income earned by the Bank. Net interest income is the difference between interest income and interest expense. Interest income depends on the volume of interest-earning assets outstanding during the period and the interest rates earned thereon. The Bank's interest expense is a function of the average amount of interest-bearing deposits and borrowed money outstanding during the period and the interest rates paid thereon. The quality of the assets further influences the amount of interest income lost on nonaccruing loans and the amount of provision expense added to the allowance for loan losses. The Bank also generates noninterest income from service charges on deposit accounts, debit and credit card interchange income, and commissions on insurance and investment products sold.

18

 

 

Critical Accounting Policies

 

Certain critical accounting policies affect the more significant judgments and estimates used in the preparation of our financial statements. Our most critical accounting estimates relate to our provision for loan losses and the calculation of our deferred tax asset and any related valuation allowance.

 

The provision for loan losses reflects the estimated losses resulting from the inability of our customers to make required payments. If the financial condition of our borrowers were to deteriorate, resulting in an impairment of their ability to make payments, our estimates would be updated, and additional provisions could be required. For further discussion of the estimates used in determining the allowance for loan losses, we refer you to the section on “Allowance for Loan Losses” in this discussion.

 

Deferred tax assets or liabilities are computed based upon the difference between financial statement and income tax bases of assets and liabilities using the enacted marginal tax rate. A valuation allowance on net deferred tax assets would be provided if it was deemed more likely than not such assets would not be realized. At December 31, 2021 and 2020, the Company had no valuation allowance on its net deferred tax assets.

 

The Company recognizes the tax benefit from an uncertain tax position only if it is more likely than not the tax position will be sustained on examination by the taxing authorities, based on the technical merits of the position. The tax benefits recognized in the financial statements from such positions are then measured based on the largest benefit that has a greater than 50% likelihood of being realized upon settlement. For further discussion of the deferred tax asset and valuation allowance, we refer you to the section on “Income Taxes and Deferred Tax Assets” in this discussion.

 

For further discussion of our other critical accounting policies, see Note 2, Summary of Significant Accounting Policies, to our Consolidated Financial Statements, found in Item 8 to this annual report on Form 10-K.

 

Cyber Security

 

The Company, primarily through the Bank, depends on its ability to continuously process, record and monitor a large number of customer transactions, and customer, public and regulatory expectations regarding operational and information security have increased over time. Accordingly, the Company’s and its subsidiaries’ operational systems and infrastructure must continue to be safeguarded and monitored for potential failures, disruptions and breakdowns. Although the Company has business continuity plans and other safeguards in place, disruptions or failures in the physical infrastructure or operating systems that support its businesses and customers, or cyber-attacks or security breaches of the networks, systems or devices on which customers’ personal information is stored and that customers use to access the Company’s and its subsidiaries’ products and services could result in customer attrition, regulatory fines, penalties or intervention, reputational damage, reimbursement or other compensation costs, and/or additional compliance costs, any of which could materially adversely affect the Company’s results of operations or financial condition.

 

Although to date the Company has not experienced any material losses relating to cyber-attacks or other information security breaches, there can be no assurance that it or its subsidiaries will not suffer such losses in the future. The Company’s risk and exposure to these matters remains heightened because of, among other things, the evolving nature of these threats, our plans to continue to implement our e-banking and mobile banking channel strategies and develop additional remote connectivity solutions to serve our customers when and how they want to be served. As a result, cyber security and the continued development and enhancement of the Company’s controls, processes and practices, designed to protect its and its subsidiaries’ systems, computers, software, data and networks from attack, damage or unauthorized access, remain a priority for the Company. As cyber threats continue to evolve, the Company may be required to expend significant additional resources to continue to modify or enhance its protective measures or to investigate and remediate any information security vulnerabilities.

 

19

 

As discussed in the Supervision and Regulation section, the federal banking agencies have issued a joint rule that requires banking organizations to notify their primary regulator as soon as possible and no later than 36 hours after any cyber-security incident has occurred. The new rule takes effect on April 1, 2022, with full compliance extended to May 1, 2022.

 

To date, we have not experienced a significant compromise, significant data loss or any material financial losses related to cyber-attacks, but our systems and those of our customers and third-party service providers are under constant threat and it is possible that we could experience a significant event in the future.

 

Recent Events

 

Since March 2020, the COVID-19 pandemic has adversely affected our communities and the way we do business, as well as, economic activity globally, nationally and locally. Among other things, interest rates declined, unemployment increased and economic output slowed dramatically during 2020.

 

Within the last year, as restrictions related to the pandemic eased, employment increased and pent-up demand was released, creating global supply chain issues and shortages of goods, which in turn has triggered price inflation we have not seen in over 30 years. In an effort to address inflation, the Federal Open Market Committee (the “FOMC”) has slowed monetary accommodation and on March 16, 2022 increased the federal funds rate 25 bps, in the first of what is expected to be a series of rate increases during 2022.

 

Adding to economic uncertainty and increased inflationary pressures are military actions taken by Russia against Ukraine commencing in February 2022, which have added stress to existing supply chain concerns and placed upward pressure on oil and natural gas prices.

 

At this time, we cannot reasonably estimate the term or intensity of any possible adverse impact on our financial position, operations or liquidity, resulting from economic disruption and uncertainty related to COVID-19 variants, trade and supply chain disruption, continuing inflationary pressures, ongoing military actions against Ukraine, and the uncertainty of the timing and extent of potential actions that might be taken by the FOMC.

 

Overview

 

The Company made significant progress during 2021 resulting in a record consolidated net income for the year ended December 31, 2021, of $7.0 million, or basic income per share of $0.29, as compared to a net income of $2.9 million, or basic income per share of $0.12, for the year ended December 31, 2020, an improvement of $4.1 million, or 142.6%. Retained earnings stood at $2.0 million at December 31, 2021, the first time it has been positive since 2010.

 

The improvement is due to an increase of $2.1 million in net interest income, a decrease of $1.9 million in provision for loan loss expense, and an increase of $1.8 million in noninterest income, offset by an $870 thousand increase in noninterest expense. The increase of $2.1 million in net interest income was due primarily to a decrease of $2.0 million in interest expense on deposits, plus an increase of $329 thousand in interest income on investments, partially offset by a $315,000 decrease in interest income on loans, including fees. The reduction in both interest income and interest expense was driven mainly by lower market rates, which remained low throughout 2020 and 2021. The decrease of $1.9 million in provision for loan loss expense is due to improving asset quality, as exhibited by reductions in past due loans, classified loans and nonaccrual loans, along with improving employment and non-inflation related economic conditions. The $1.8 million increase in noninterest income was driven by an additional $507 thousand in service charges and fees, a $557 thousand increase in card processing and interchange income, a $313 thousand increase in financial services fees, plus nonrecurring gains on sales of investment securities of $322 thousand. Noninterest expense grew by $870 thousand primarily due to valuation adjustments of $1.1 million on three former branch office locations, which were transferred into other real estate owned, offset by a $566 thousand reduction in salaries and benefit expense.   

 

During the year ended December 31, 2021, total assets grew $38.3 million, or 5.1%, to $794.6 million. Loan balances increased $18.2 million, or 3.2%. Excluding the net impact of $25.3 million in PPP loan originations and $53.6 million of PPP loan repayments, the remaining loan portfolio grew $46.6 million, due largely to our new Boone loan production office, which opened during the fourth quarter of 2020. Deposits grew $39.5 million, or 5.9%, due to the impact of stimulus payments and PPP loan funds during the first half of the year, combined with residual liquidity that remains in the financial markets. This deposit growth, combined with a decrease of $30.3 million in interest bearing deposits in other banks, funded a net increase in the investment portfolio of $59.0 million.

 

20

 

The Company’s key performance indicators are as follows:

 

 

   Year ended December 31,
   2021  2020
       
Return on average assets   0.88%   0.39%
Return on average equity   11.52%   5.18%
Average equity to average assets ratio   7.62%   7.51%

 

 

Highlights from the year 2021 include:

 

·Net income improved 142.6% to a historical Company record of $7.0 million, or $0.29 per share, in 2021 compared to $2.9 million, or $0.12 per share, in 2020;
·Total assets increased $38.3 million, or 5.1%, to $794.6 million at December 31, 2021 compared to $756.3 million at December 31, 2020;
·Book value per share was $2.66 as of December 31, 2021 and $2.43 as of December 31, 2020;
·Net interest income was $27.2 million, an increase of $2.1 million compared to 2020, as described above;
·Our net interest margin was 3.64%, a reduction of 1 basis points compared to 3.65% for the year ended December 31, 2020;
·Total loans increased $18.2 million, or 3.2%, to $593.7 million during the year ended December 31, 2021;
·Securities available for sale increased $59.0 million, or 121.8%, to $107.4 million during the year ended December 31, 2021;
·Total deposits increased $39.5 million, or 5.9%, to $707.5 million during the year ended December 31, 2021, primarily due to PPP loan funds and federal stimulus payments;
·Noninterest income was $10.0 million, an increase of $1.8 million compared to 2020;
·Salaries and employee benefits expense was $12.7 million, a reduction of $566 thousand compared to 2020, which was due mainly to the restructuring announced in May of 2020 and the overall reduction in staff;
·During the fourth quarter of 2021, we began implementing a plan to increase our minimum wage to $15.00 per hour.;
·Nonperforming assets, which include nonaccrual loans and other real estate owned, totaled $4.3 million at December 31, 2021, a decrease of $4.6 million, or 51.6% during the year ended December 31, 2021;
·Nonperforming assets as a percentage of total assets was 0.54% at December 31, 2021, compared to 1.17% at December 31,2020;
·Annualized net charge offs as a percentage of average loans were 0.14% during 2021, compared to 0.08% during 2020; and
·The allowance for loan losses as a percentage to total loans was 1.13% at December 31, 2021, as compared to 1.25% at December 31, 2020.

 

For detail on the above highlighted items, refer to their related following sections.

 

Net Interest Income and Net Interest Margin

 

The Company’s primary source of income is net interest income, which increased $2.1 million, or 8.2% in 2021 compared to 2020, due primarily to a decrease of $2.0 million in interest expense on deposits, plus an increase of $329,000 in interest income on investments, partially offset by a $315,000 decrease in interest income on loans, including fees. The reduction in interest expense on deposits is due to reduced rates on time deposits and a reduction of $34.7 million in average time deposit balances. The increase in interest income on investments is due to an increase in average balances of $33.6 million, as we redeployed excess funds into investment securities, which generally provide higher yields than federal funds or interest-earning correspondent accounts. The decrease in interest income on loans, including fees, was driven by a decrease of $1.4 million in interest on loans, offset by an increase in fees of $1.1 million, resulting from PPP loan forgiveness.

 

The following table shows the rates paid on earning assets and deposit liabilities for the periods indicated.

 

 

 

21

 

 

Net Interest Margin Analysis

Average Balances, Income and Expense, and Yields and Rates

 

(Dollars in thousands)
        For the Year Ended   For the Year Ended  
        December 31, 2021   December 31, 2020  
        Average   Income/   Yields/   Average   Income/   Yields/
        Balance   Expense   Rates   Balance   Expense   Rates
ASSETS                        
  Loans (1) (2) $ 586,963 $ 28,323   4.83% $ 578,979 $ 28,638   4.95%
  Federal funds sold   212   -   0.10%   244   1   0.36%
  Interest bearing deposits in other banks   78,583   95   0.12%   61,083   208   0.34%
  Taxable investment securities   81,635   1,494   1.83%   48,072   1,189   2.47%
  Total earning assets   747,393   29,912   4.00%   688,378   30,036   4.37%
  Less:  Allowance for loans losses   (7,034)           (6,512)        
  Non-earning assets   58,398           61,411        
    Total Assets $ 798,757         $ 743,277        
                             
LIABILITIES AND SHAREHOLDERS’ EQUITY  
  Interest-bearing demand deposits $ 59,154 $ 59   0.10% $ 45,302 $ 70   0.15%
  Savings and money market deposits   181,736   148   0.08%   148,320   360   0.24%
  Time deposits   214,937   2,041   0.95%   252,074   3,854   1.53%
  Short-term borrowings   2,474   33   1.33%   5,000   68   1.36%
  Trust preferred securities   16,496   420   2.55%   16,496   541   3.28%
     Total interest-bearing liabilities   474,797   2,701   0.57%   467,192   4,893   1.05%
  Non-interest-bearing deposits   254,911   -   -%   210,831   -   - %
     Total deposit liabilities and cost of funds   729,708   2,701   0.37%   678,023   4,893   0.72%
  Other liabilities   8,178           9,431        
    Total Liabilities   737,886           687,454        
  Stockholders’ Equity   60,871           55,823        
    Total Liabilities and Stockholders’ Equity $ 798,757         $ 743,277        
  Net Interest Income     $ 27,211         $ 25,143    
  Net Interest Margin 3.64%   3.65%  
  Net Interest Spread 3.43%   3.32%  
           
(1)  Nonaccrual loans have been included in average loan balances.  
(2)  Tax exempt income is not significant and has been treated as fully taxable.  
                                   

 

 

Net interest income is affected by changes in both average interest rates and average volumes (balances) of interest-earning assets and interest-bearing liabilities. The following tables set forth the amounts of the total changes in interest income and interest expense which can be attributed to rates, volume and a combination of rates and volume, for the periods indicated.

 

22

 

 

Volume and Rate Analysis

Increase (decrease)

 

 

   Year 2021 Compared to 2020   
(Dollars in thousands)  Volume Effect  Rate Effect  Rate and Volume Effect  Change in Interest Income/ Expense
Interest Income:                    
Loans  $395   $(700)  $(10)  $(315)
Federal funds sold   —      (1)   —      (1)
Interest bearing deposits in other banks   59    (134)   (38)   (113)
Taxable investment securities   830    (309)   (216)   305 
Total Earning Assets   1,284    (1,144)   (264)   (124)
                     
Interest Expense:                    
Interest-bearing demand deposits   21    (25)   (7)   (11)
Savings and money market deposits   81    (239)   (54)   (212)
Time deposits   (568)   (1,460)   215    (1,813)
Short-term borrowings   (34)   (1)   —      (35)
Trust preferred securities   —      (121)   —      (121)
Total Interest-bearing Liabilities   (500)   (1,846)   154    (2192)
Change in Net Interest Income  $1,784   $702   $(418)  $2,068 

 

 

   Year 2020 Compared to 2019   
(Dollars in thousands)  Volume Effect  Rate Effect  Rate and Volume Effect  Change in Interest Income/ Expense
Interest Income:                    
Loans  $1,196   $(1,113)  $(47)  $37 
Federal funds sold   —      (4)   —      (4)
Interest bearing deposits in other banks   456    (672)   (381)   (597)
Taxable investment securities   (280)   (91)   17    (355)
Total Earning Assets   1,372    (1,880)   (411)   (919)
                     
Interest Expense:                    
Interest-bearing demand deposits   18    (10)   (3)   5 
Savings and money market deposits   (39)   (605)   24    (620)
Time deposits   (131)   (78)   3    (206)
Short-term borrowings   (12)   3    (1)   (10)
Trust preferred securities   —      (255)   —      (255)
Total Interest-bearing Liabilities   (164)   (945)   23    (1,086)
Change in Net Interest Income  $1,536   $(935)  $(434)  $167 

 

The reduction in interest income and interest expense during both 2021 and 2020 was driven mainly by lower market rates, which have fallen throughout both years. Overall, our net interest margin decreased 1 basis point to 3.64%in 2021 compared to 3.65% in 2020. While the yield on average assets decreased 37 basis points, to 4.00% from 4.37%, the cost of funds decreased 35 basis points, to 0.37% from 0.72%.

 

The reduction in market rates was a direct result of actions taken by the FMOC, which, in response to the economic impact of the pandemic, reduced the target federal funds rate twice in March 2020, by 150 bps. As a result, the target federal funds rate stood at 0.00% - 0.25% and the prime interest rate stands at 3.25%. In March 2022, the FMOC increased the target federal funds rate 25 bps, resulting in the prime interest rate increasing to 3.50%. It is the general consensus that this increase is the first of a series of increases that the FOMC will effect in 2022.

23

 

 

The decrease in interest income is primarily attributed to reduced yield on loans, not including fees, which was mainly driven by lower market rates, as noted above, plus materially lower rates earned on PPP loans. The yield on PPP loans is 1.00%, excluding the impact of deferred fee income. Although loan fees earned and recognized on PPP loans has been material during 2021 and 2020, it does not completely make up for the reduced yield. The increase in loan fee income is a result of recognition of net deferred fees on PPP loans totaling $2.0 million in 2021, and $994 thousand in 2020. Total loan fees recognized as part of the yield calculation on loans was $2.4 million during 2021 and $1.3 million during 2020. Overall, loan interest income, including fees, was lower in 2021 than 2020 by $315 thousand.

 

The PPP ended in June 2021, and remaining PPP loan balances totaled only $6.4 million at December 31, 2021. Therefore, the remaining PPP loans and net unearned fees are not expected to have a material impact on future earnings.

 

Interest income was positively impacted by an additional $305 thousand of interest earned on investment securities, all of which are taxable, due to additional average balances of $33.6 million, as we redeployed excess funds into investment securities, which generally provide higher yields than federal funds sold or interest-bearing deposits in other banks. This improvement in interest income on investments offset the negative effect of reduced interest income from loans. The yield on investment securities decreased to 1.83% in 2021 from 2.47% in 2020, due to lower market rates, as noted above.

 

Interest expense decreased $2.2 million, which more than offset the decrease of $124 thousand in interest income, driving a $2.1 million improvement in net interest income. The primary driver of the improvement in interest expense, and overall cost of funds, was the reduced cost of time deposits, which decreased to 0.95% in 2021 compared to 1.53% in 2020, along with increased average balances in all other types of deposit accounts, which generally have lower rates.

 

This change in the mix of our deposits has supported the reduction in our average cost of funds to 0.37% during 2021, compared to 0.72% during 2020. Average balances of time deposits decreased $37.1 million while average balances of interest-bearing demand deposits grew $13.9 million, average balances of savings and money market deposits grew $34.4 million, and average balances of noninterest-bearing deposits grew $44.1 million. Increases in average balances of both interest-bearing and noninterest-bearing deposits is primarily due to stimulus payments and PPP funds, which are generally deposited into customer deposit accounts.

 

Due to the increased deposit balances, additional borrowings from the FHLB have not been necessary. The Company paid off the last remaining FHLB advance of $5.0 million in June 2021, when it matured.

 

Our future interest rate structure has been impacted by the commencement of the end of the use of LIBOR, which will completely phase-out in 2023. We use LIBOR in pricing some of our interest earning assets and liabilities, including our trust preferred securities. Certain loan and investment products ceased using LIBOR in 2021, for new contracts and commitments. Most of these contracts have been, or will be, replaced with the secured overnight funding rate (SOFR).

 

Loans

 

Our primary source of income is interest earned on loans. Total loan balances increased $18.2 million during 2021, or 3.2%, to $593.7 million at December 31, 2021 as compared to $575.6 million at December 31, 2020. The primary drivers of this increase in total loans were $26.8 million of growth in commercial loans secured by real estate, and $16.5 million of growth in multifamily loans secured by real estate. Commercial loan balances decreased $31.7 million, due mainly to a decrease in PPP loan balances of $28.4 million. PPP loans totaled $6.4 million at December 31, 2021. For more detail on loan balances, refer to Note 6 of the Consolidated Financial Statements and Notes in Item 8 of this Form 10-K.

 

Nonaccrual loan balances decreased $2.6 million during 2021 to $2.9 million at December 31, 2021. Nonaccrual loans negatively affect interest income as these loans are nonearning assets. When doubt about the collectability of a loan exists, it is the Bank’s policy to stop accruing interest on that loan under the following circumstances: (a) whenever we are advised by the borrower that scheduled payment or interest payments cannot be met, (b) when conditions indicate that payment of principal and interest can no longer be expected, or (c) when any such loan becomes delinquent for 90 days and is not both well secured and in the process of collection. All interest accrued but not collected on loans that are placed on nonaccrual is charged off and reversed against interest income in the current period. In the case of a nonaccrual loan that is well secured and in the process of collection, the interest accrued but not collected is not reversed. Interest received on these loans is accounted for on the cash basis or cost-recovery method until qualifying for return to accrual. Generally, loans are returned to accrual status when all the principal and interest amounts contractually due are brought current, six consecutive timely payments are made, and prospects for future contractual payments are reasonably assured. For more detail on nonaccrual loans, refer to Note 6 of the Consolidated Financial Statements and Notes in Item 8 of this Form 10-K.

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Impaired loan balances also decreased during 2021, to $2.8 million at December 31, 2021, from $5.1 million at December 31, 2020. Interest income and cash receipts on impaired loans are handled differently depending on whether or not the loan is on nonaccrual status. If the impaired loan is not on nonaccrual status, the interest income on the loan is computed using the effective interest method. For more detail on impaired loan balances, refer to Note 6 of the Consolidated Financial Statements and Notes in Item 8 of this Form 10-K.

 

The following table presents the dollar composition and percentage of our loan portfolio as of December 31:

 

Loan Composition
   2021  2020
(Dollars in thousands)  $  %  $  %
Real estate secured:                    
   Commercial  $206,162    34.7%  $179,381    31.2%
   Construction and land development   32,325    5.4%   25,031    4.3%
   Residential 1-4 family   224,530    37.8%   222,980    38.7%
   Multifamily   33,048    5.6%   16,569    2.9%
   Farmland   18,735    3.2%   18,368    3.2%
     Total real estate loans   514,800    86.7%   462,329    80.3%
Commercial   54,325    9.1%   86,010    14.9%
Agriculture   4,021    0.7%   4,450    0.8%
Consumer installment loans   18,756    3.2%   20,632    3.6%
All other loans   1,842    0.3%   2,145    0.4%
Total loans   593,744    100.0%   575,566    100.0%
Less: Allowance for loan losses   6,735         7,191      
Total  $587,009        $568,375      
                     

 

Our loan maturities, and distribution between fixed and variable rate loans as of December 31, 2021 are shown in the following table:

 

 

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Maturities of Loans
(Dollars in thousands)  Less than One Year  One to Five Years  Five to Fifteen Years  After Fifteen Years  Total
Real estate secured:                         
   Commercial  $19,831   $54,437   $77,974   $53,920   $206,162 
   Construction and land development   6,041    6,177    11,942    8,165    32,325 
   Residential 1-4 family   6,989    20,928    84,520    112,093    224,530 
   Multifamily   989    4,523    10,749    16,787    33,048 
   Farmland   4,079    2,491    7,631    4,534    18,735 
     Total real estate loans   37,929    88,556    192,816    195,499    514,800 
Commercial   10,453    34,483    6,624    2,765    54,325 
Agriculture   1,373    2,292    56    300    4,021 
Consumer installment loans   2,219    13,788    2,713    36    18,756 
All other loans   1,444    398    —      —      1,842 
Total  $53,418   $139,517   $202,209   $198,600   $593,744 
                          

 

The following table presents the dollar amount of fixed rate and variable rate loans with maturities greater than one year as of December 31, 2021:

 

 

(Dollars in thousands)  Fixed Rate  Variable Rate
Real estate secured:          
   Commercial  $94,563   $91,768 
   Construction and land development   14,967    11,317 
   Residential 1-4 family   91,450    126,091 
   Multifamily   12,127    19,932 
   Farmland   3,276    11,380 
     Total real estate loans   216,383    260,488 
Commercial   36,088    7,784 
Agriculture   2,340    308 
Consumer installment loans   13,832    2,705 
All other loans   398    —   
Total  $269,041   $271,285 
           

 

Contractual maturities of loans do not reflect the actual term of our loan portfolio. The average life of mortgage loans is substantially less than the contractual life due to prepayments and enforcement of due on sale clauses. Scheduled principal amortization also reduces the average life of the loan portfolio. The average life of mortgage loans tends to increase when current market mortgage rates are substantially above rates on existing loans while the average life decreases when rates on existing loans are substantially above current market rates.

 

Some variable rate loans may not reprice, or fully reprice, at their next reset date due to instances where the reset rate may not be above the rate floor, or may be more than the allowable rate increase under the terms of the loan. In these instances, it may take several reset periods before these loans are fully adjusted.

 

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Allowance for Loan Losses

 

The methodology we use to calculate the allowance for loan losses is considered a critical accounting policy. The adequacy of the allowance for loan losses is based upon management’s judgment and analysis. The following factors are included in our evaluation of determining the adequacy of the allowance: risk characteristics of the loan portfolio, current and historical loss experience, concentrations, and internal and external factors such as general economic conditions.

 

During 2020, in response to the impact of the pandemic, changes to the allowance model included reviewing our internal scoring related to loan modifications and extensions, and external factors, specifically unemployment and other economic factors. During the fourth quarter of 2021, in response to rising price inflation, this factor has been added to the economic factors considered in the model. We continue to adjust the allowance for loan loss model to best reflect the risks in the portfolio and the improvements made in our internal policies and procedures; however, future provisions may be deemed necessary.

 

The allowance is increased by a provision for loan losses, which is charged to expense and reduced by charge-offs, net of recoveries. Loans are charged against the allowance for loan losses when management believes that collectability of all or part of the principal is unlikely. Subsequent to charging off a loan, management makes best efforts to recover any charged-off balances.

 

The allowance for loan losses decreased to $6.7 million at December 31, 2021 as compared to $7.2 million at December 31, 2020. The allowance for loan losses at the end of 2021 was approximately 1.13% of total loans as compared to 1.25% at the end of 2020. Provisions for loan losses of $372 thousand and $2.3 million were recorded during 2021 and 2020, respectively. Loans charged off, net of recoveries, totaled $828 thousand, or 0.28% of average loans, for the year ended December 31, 2021, compared to $477 thousand, or 0.08% of average loans, in 2020. The low percentage in 2020 is primarily related to the moratorium on foreclosures that existed for most of 2020. The allowance for loan losses is being maintained at a level that management deems appropriate to absorb any potential future losses and known impairments within the loan portfolio whether or not the losses are actually ever realized.

 

Nonaccrual loans present higher risks of default, and we have experienced a decrease in these loans during 2021. At December 31, 2021, there were 65 nonaccrual loans totaling $2.9 million, or 0.50% of total loans. At December 31, 2020, there were 75 nonaccrual loans totaling $5.5 million, or 0.96% of total loans. The amount of interest income that would have been recognized on these loans had they been accruing interest was $223 thousand and $494 thousand in the years 2021 and 2020, respectively. There were no loans past due 90 days or greater and still accruing interest at either December 31, 2021 or 2020. There are no commitments to lend additional funds to non-performing borrowers.

 

A majority of our loans are collateralized by real estate located in our market area. It is our policy to sufficiently collateralize loans to help minimize exposure to losses in cases of default. Increasing real estate values in our area have reduced this exposure somewhat. However, while we consider our market area to be somewhat diverse, certain areas are more reliant upon agriculture, coal mining and natural gas. As a result, increased risk of loan impairments is possible due to the volatile nature of the coal mining and natural gas industries. As a result of the economic impact of the COVID-19 pandemic, a number of industries have been identified as posing increased risk. Specifically, residential and commercial rentals, hotels, restaurants and entertainment, and the coal and gas industries have been adversely impacted by the global and domestic economic slowdown. We are monitoring these industries and consider these segments to be the primary higher risks in the loan portfolio.

 

Commercial and commercial real estate loans are initially risk rated by the originating loan officer. If deterioration in the financial condition of the borrower and/or their capacity to repay the debt occurs, the loan may be downgraded by the loan officer. Guidance for risk rate grading is established by the regulatory authorities who periodically review the Bank’s loan portfolio for compliance. Classifications used by the Bank are Pass, Special Mention, Substandard, Doubtful and Loss.

 

With regard to the Bank’s consumer and consumer real estate loan portfolio, we use the guidance found in the Uniform Retail Credit Classification and Account Management Policy which affects our estimate of the allowance for loan losses. Under this approach, a consumer or consumer real estate loan must initially have a credit risk grade of Pass or better. Subsequently, if the loan becomes contractually 90 days past due or the borrower files for bankruptcy protection, the loan is downgraded to Substandard and placed in nonaccrual status. If the loan is unsecured upon being deemed Substandard, the entire loan amount is charged-off.

 

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For non-1-4 family residential loans that are 90 days or more past due or in bankruptcy, the collateral value less estimated liquidation costs is compared to the loan balance to calculate any potential deficiency. If the collateral is sufficient, then no charge-off is necessary. If a deficiency exists, then upon the loan becoming contractually 120 days past due, the deficiency is charged-off against the allowance for loan loss. In the case of 1-4 family residential or home equity loans, upon the loan becoming 120 days past due, a current value is obtained and after application of an estimated liquidation discount, a comparison is made to the loan balance to calculate any deficiency. Subsequently, any noted deficiency is then charged-off against the allowance for loan loss when the loan becomes contractually 180 days past due. If the customer has filed bankruptcy, then within 60 days of the bankruptcy notice, any calculated deficiency is charged-off against the allowance for loan loss. Collection efforts continue by means of repossessions or foreclosures, and upon bank ownership, liquidation ensues.

 

All loans classified as substandard, doubtful or loss are individually reviewed for impairment in accordance with Accounting Standards Codification (ASC) 310-10-35. In evaluating impairment, a current appraisal is generally used to determine if the collateral is sufficient. Appraisals are typically less than a year old and must be independently reviewed to be relied upon. If the appraisal is not current, we perform a useful life review of the appraisal to determine if it is reasonable.  If this review determines that the appraisal is not reasonable, then a new appraisal is ordered. Loans considered impaired decreased to $2.8 million with $880 thousand requiring a valuation allowance of $166 thousand at December 31, 2021, as compared to $5.1 million with $2.5 million requiring a valuation allowance of $1.1 million at December 31, 2020. Management is aggressively working to reduce the impaired credits at minimal loss.

 

In determining the component of our allowance in accordance with the Contingencies topic of the Accounting Standards Codification (ASC 450), we do not directly consider the potential for outdated appraisals since that portion of our allowance is based on the analysis of the performance of loans with similar characteristics, external and internal risk factors. We consider the overall quality of our underwriting process in our internal risk factors, but the need to update appraisals is associated with loans identified as impaired under the Receivables topic of the Accounting Standards Codification (ASC 310). If an appraisal is older than one year, a new external certified appraisal may be obtained and used to determine impairment. If an exposure exists, a specific allowance is directly made in the amount of the potential loss, in addition to estimated liquidation and disposal costs. The evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.

 

In addition to impaired loans, the remaining loan portfolio is evaluated based on net charge-off history, economic conditions, and internal processes. To calculate the net charge-off history factor, we perform a 12-quarter look-back and use the average net charge offs as a percentage of the loan balances. To calculate the economic conditions factor, we use current economic data which includes national and local regional unemployment information, local housing price changes, gross domestic product growth, and interest rates. Lastly, we evaluate our internal processes of underwriting and consider the inherent risks present in the portfolio due to past and present lending practices. As economic conditions, performance of our loans, and internal processes change, it is possible that future increases or decreases may be needed to the allowance for loan losses.

 

Selected Credit Ratios
   December 31,
(Dollars in thousands)  2021  2020
Allowance for loan losses  $6,735   $7,191 
Total loans   593,744    575,566 
Allowance for loan losses to total loans   1.13%   1.25%
Nonaccrual loans  $2,941   $5,548 
Nonaccrual loans to total loans   0.50%   0.96%
           
Ratio of allowance for loan losses to nonaccrual loans   2.29X   1.30X
           
Charge-offs net of recoveries  $828   $477 
Average loans  $586,963   $578,979 
Net charge-offs to average loans   0.14%   0.08%

 

 

The above table includes $1.1 million and $2.5 million in nonaccrual loans as of December 31, 2021 and 2020, respectively, which have been classified as troubled debt restructurings. No troubled debt restructurings were past due 90 days or more and still accruing interest at December 31, 2021 and 2020. There were $2.5 million in loans classified as troubled debt restructurings as of December 31, 2021, as compared to $4.0 million in loans classified as troubled debt restructurings as of December 31, 2020. For more detail on nonaccrual, impaired, past due and restructured loans, refer to Note 6 and Note 8 to the Consolidated Financial Statements and Notes in Item 8 of this Form 10-K.

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The following table shows the average balance, net charge-offs or recoveries and percentage of net charge-offs or recoveries by each major category of loans for the years ended December 31, 2021 and 2020:

 

                   
                   
   December 31, 2021  December 31, 2020
(Dollars in thousands)  Average Balance  Net Charge-offs (Recoveries)  Net Charge-offs (Recoveries) as % of Average Loan Type  Average Balance  Net Charge-offs (Recoveries)  Net Charge-offs (Recoveries) as % of Average Loan Type
 Real estate secured:                              
 Commercial  $194,517   $913    0.47%  $175,281   $8    0.00%
 Construction and land development   28,820    (6)   -0.02%   27,536    —      0.00%
 Residential 1-4 family   220,524    (37)   -0.02%   235,289    127    0.05%
 Multifamily   23,840    —      0.00%   14,851    —      0.00%
 Farmland   19,144    (29)   -0.15%   19,749    9    0.05%
 Total real estate loans   486,845    841    0.17%   472,706    144    0.03%
 Commercial   74,711    (45)   -0.06%   77,874    289    0.37%
 Agriculture   4,095    (1)   -0.02%   4,781    14    0.29%
 Consumer and all other loans   19,441    33    0.17%   21,819    30    0.14%
 Unallocated   1,871    —      0.00%   1,799    —      0.00%
 Total loans  $586,963   $828    0.14%  $578,979   $477    0.08%

 

The following table shows the balance and percentage of our allowance for loan losses allocated to each major category of loans.

 

Allocation of the Allowance for Loan Losses

 

   December 31, 2021  December 31, 2020
(Dollars in thousands)  Amount  % of ALLL  % of Loans  Amount  % of ALLL  % of Loans
Real estate secured:                              
   Commercial   2,134    31.7%   34.7%   2,281    31.8%   31.3%
   Construction and land development   189    2.8%   5.4%   233    3.2%   4.4%
   Residential 1-4 family   2,237    33.2%   37.8%   1,951    27.1%   38.9%
   Multifamily   254    3.8%   5.6%   151    2.1%   2.9%
   Farmland   149    2.2%   3.2%   97    1.3%   3.2%
Total real estate loans   4,963    73.7%   86.7%   4,713    65.5%   80.6%
Commercial  $1,099    16.3%   9.1%  $2,275    31.6%   15.0%
Agriculture   28    0.4%   0.7%   40    0.6%   0.8%
Consumer and all other loans   108    1.6%   3.5%   163    2.3%   3.6%
Unallocated   537    8.0%   —      —      —      —   
Total  $6,735    100.0%   100.0%  $7,191    100%   100.0%
                               

 

We have allocated the allowance according to the amount deemed to be reasonably necessary to provide for the possibility of losses being incurred within each of the categories of loans. The allocation of the allowance as shown in the table above should not be interpreted as an indication that loan losses in future years will occur in the same proportions or that the allocation indicates future loan loss trends. Furthermore, the portion allocated to each loan category is not the total amount available for future losses that might occur within such categories since the total allowance is a general allowance applicable to the entire portfolio.

 

The allocation of the allowance for loan losses is based on our judgment of the relative risk associated with each type of loan. We have allocated 31.7% of the allowance to commercial real estate loans, which constituted 34.7% of our loan portfolio at December 31, 2021. This allocation is similar to the 31.8% in 2020 due primarily to reduction in problem credits in this category over the past several years. We have allocated 16.3% of the allowance to commercial loans, which constituted 9.1% of our loan portfolio at December 31, 2021. This allocation percentage increased compared to December 31, 2020 due to the significant reduction in PPP loans, which are included in commercial loans, which have guarantees provided by the SBA, which resulted in their being excluded from the allowance assessment of commercial loans.

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Both residential and commercial real estate loans are secured by real estate whose value tends to be easily ascertainable. These loans are made consistent with appraisal policies and real estate lending policies, which detail maximum loan-to-value ratios and maturities.

 

We have allocated 2.8% of the allowance to real estate construction loans, which constituted 5.4% of our loan portfolio at December 31, 2021. Construction loans are secured by real estate with values that are dependent upon market and economic conditions. Additionally, these credits are generally shorter-term projects, of eighteen months or less. These loans are made consistent with appraisal policies and real estate lending policies which detail maximum loan-to-value ratios and maturities.

 

We have allocated 33.2% of the allowance to residential real estate loans, which constituted 37.8% of our loan portfolio at December 31, 2021. Our allocation increased as a percentage of the allowance for loan losses due to the $1.6 million increase in residential real estate loans during 2021.

 

We have allocated 1.6% of the allowance to consumer and all other loans, which constituted 3.5% of our loan portfolio at December 31, 2021. Our allocation decreased as a percentage of the allowance for loan losses due to these credits principally being loans to municipal and other government entities, compared to the 2.3% allocation we had in 2020. At December 31, 2021, we had an unallocated portion of the allowance for loan losses totaling $537 thousand. While our legacy loan loss model calculation did not fully allocate the entire allowance, we believe that the lingering impact of the pandemic, combined with the recent impact of inflation warrant the maintenance of the allowance for loan losses.

 

We have commenced the process of implementing the Current Expected Credit Loss (CECL) model to replace our legacy loan loss model. We expect to be testing and running concurrent quarterly calculations of both our legacy and CECL models by the second quarter of 2022.

 

Other Real Estate Owned

 

Other real estate owned decreased $2.0 million, or 59.2%, to $1.4 million at December 31, 2021 from $3.3 million at December 31, 2020. All properties are available for sale, primarily, by commercial and residential realtors under the direction of our Special Assets division. Our aim is to reduce the level of OREO in order to reduce the level of nonperforming assets at the Bank, while keeping in mind the impact to earnings and capital. In 2021 and 2020, pricing adjustments were made to make certain properties more marketable, which, in some cases, reduced the price below the fair value of the property (which is based on an appraisal less estimated disposition costs). During 2021, we recorded OREO write-downs of $466 thousand as compared to $132 thousand during 2020.

 

During 2021, we added $566 thousand in OREO properties as a result of settlement of foreclosed loans, offset by sales of $2.6 million with net gains of $76 thousand. During 2020, we added $1.1 million in OREO properties as a result of settlement of foreclosed loans, which was offset by sales of $687 thousand with net gains totaling $60 thousand. As noted previously, a moratorium on foreclosures was initiated in Virginia during the first quarter of 2020 and remained in effect into the third quarter of 2020. Additionally, during 2021, three closed branch office facilities were transferred from bank premises to OREO at a value of $950 thousand. As previously discussed, we continue to take an aggressive approach toward liquidating properties to reduce our level of OREO properties by making pricing adjustments and holding auctions on some of our older properties. We expect to continue these efforts in 2022, which could result in additional losses, while reducing future carrying costs.

 

Although the properties remain for sale and are actively marketed, we did have lease agreements on certain other real estate owned properties which generated rental income at market rates. Rental income on OREO properties was $24 thousand and $54 thousand in 2021 and 2020, respectively.

 

Investment Securities

 

Total investment securities increased $59.0 million, or 121.8%, to $107.4 million at December 31, 2021, Prior to their sale in 2021, from $48.4 million at December 31, 2020. All securities are classified as available-for-sale for liquidity purposes. Sales of securities during 2021 totaled $7.7 million, with $322 thousand in gains realized, while sales of securities in 2020 totaled $1.1 million, with $4 thousand in gains realized. During 2021, maturities, calls and paydowns totaled $16.3 million, and purchases of securities totaled $85.1 million. Investment securities with a carrying value of $12.1 million and $6.8 million at December 31, 2021 and 2020, respectively, were pledged to secure public deposits and for other purposes required by law.

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Our strategy is to invest excess funds in investment securities, which typically yield more interest income than other short-term investment options, such as federal funds sold and overnight deposits with the Federal Reserve Bank of Richmond, but which still provide liquidity.

 

The fair value of our investment portfolio is substantially affected by changes in interest rates, which could result in realized losses if we need to sell the securities and recognize the loss in a rising interest rate environment due to Federal Reserve actions, U.S. fiscal policies or other factors affecting market interest rates. At December 31, 2021, we had a net unrealized loss in our investment portfolio totaling $1.0 million as compared to a $938 thousand gain at December 31, 2020. As interest rates increase the level of unrealized losses could change substantially. However, these changes would have no impact on earnings or regulatory capital, unless the underlying securities were sold at a loss. We have reviewed our investment portfolio and no investment security is deemed to have other than temporary impairment. We monitor our portfolio regularly and use it to maintain liquidity, manage interest rate risk and enhance earnings.

 

The fair value and weighted average yield of investment securities at December 31, 2021 are shown in the following schedule by contractual maturity and do not reflect principal paydowns for amortizing securities. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Weighted average yields are calculated by dividing the contractual interest for each time period by the average amortized contractual cost.

 

                               
   Less than One Year  One to Five Years  Five to ten years  After ten years  Total
(Dollars in thousands)  Fair Value  Average Yield  Fair Value  Average Yield  Fair Value  Average Yield  Fair Value  Average Yield  Fair   Value  Average Yield
U.S Treasuries  $—       -%    $6,003    0.79%  $1,668    1.04%  $—       -%    $7,671    0.84%
U.S. Government Agencies   502    1.82%   441    2.26%   1,902    2.57%   6,244    1.67%   9,089    1.79%
Taxable municipals   558    3.23%   —       -%     1,900    1.74%   20,522    2.33%   22,980    2.30%
Corporate bonds   —       -%     1,037    4.80%   982    2.00%   —       -%     2,019    3.41%
Mortgage backed securities   —       -%     323    1.29%   6,295    1.22%   58,981    1.36%   65,599    1.34%
   $1,060    2.56%  $7,804    1.41%  $12,747    1.54%  $85,747    1.61%  $107,358    1.59%

 

Bank Owned Life Insurance

 

At both December 31, 2021 and 2020, we had an aggregate total cash surrender value of $4.7 million on life insurance policies covering former key officers.

 

Total income for the policies during 2021 and 2020 was $32 thousand and $77 thousand, respectively.

 

Deposits

 

Total deposits were $707.5 million at December 31, 2021, an increase of $39.5 million, or 5.9%, from $668.0 million at December 31, 2020. Most of the increase was driven by savings and money market deposits, which grew $34.6 million, or 21.9%, to $192.0 million during 2021. Noninterest-bearing demand deposits grew by $27.5 million, or 12.3%, to $251.3 million. Interest-bearing demand deposits also grew, by $15.6 million, or 31.3%, to $65.2 million. Generally, PPP loan disbursements and federal stimulus payments received by customers are deposited into noninterest-bearing or interest-bearing demand deposit accounts, which primarily explains the increases in those types of accounts. Due to the large influx of non-interest-bearing balances, we allowed attrition of time deposit balances, which decreased by $38.1 million and allowed us to reduce our average cost of funds.

 

Information detailing average deposit balances and average rates paid on deposits is presented in the Net Interest Margin Analysis table contained in the Net Interest Income and Net Interest Margin section.

 

Core deposits are considered to include demand deposits and other types of transaction accounts, such as commercial relationships and savings products, all of which saw growth in 2021. Overall, we continue to maintain core deposits through attractive consumer and commercial deposit products and strong ties with our customer base and communities.

 

31

 

Time deposits of $250,000 or more equaled approximately 4.0% of deposits at the end of 2021 and 5.2% of deposits at the end of 2020.

 

At December 31, 2021 and 2020, uninsured deposits are estimated to be $93.8 million and $79.4 million, respectively. Included in estimated uninsured deposits are $13.6 million and $15.8 million of public funds, for such respective periods, considered secured via pledged securities or letters of credit we have with the FHLB.

 

The following table shows maturities of all time deposits considered uninsured by the FDIC or otherwise.

 

 

Maturities of Uninsured Time Deposits
(Dollars in thousands)
December 31, 2021
Three months or less  $2,507 
Over three months through six months   3,517 
Over six months through twelve months   3,945 
Over one year   6,788 
Total  $16,757 


 

At December 31, 2021 and 2020, $12.1 million and $6.8 million of securities, respectively, were pledged to collateralize public deposits, including time deposits, held in our Tennessee offices, and as collateral for credit facilities available through FRB. Additionally, we held letters of credit from the FHLB for $12.0 million at both December 31, 2021 and 2020, to secure public deposits, including time deposits, held in our Virginia offices.

 

We held no brokered deposits at December 31, 2021 and 2020. Internet accounts are limited to customers located in our primary market area and the surrounding geographical area. The average balance of and the average rate paid on deposits is shown in the net interest margin analysis table in the “Net Interest Income and Net Interest Margin” section above. Total Certificate of Deposit Registry Service (CDARS) time deposits were $5.8 million and $9.6 million at December 31, 2021 and 2020, respectively.

 

Noninterest Income

 

For the year ended December 31, 2021, noninterest income improved $1.8 million, or 22.5%, to $10.0 million, or 1.25% of average assets, from $8.1 million, or 1.10% of average assets, for the same period in 2020. The improvement was driven by an increase of $507 thousand in service charges and fees, a $557 thousand increase in card processing and interchange income, a $313 thousand increase in insurance and investment fees, plus non-recurring gains on sales of investment securities of $322 thousand.

 

The improvement in service charges and fees resulted from the fee schedule changes we made in August 2020. The new fee schedule was implemented as part of the overall assessment of products and processes undertaken in 2020. The adjustment of the fee schedule was designed to allow customers to avoid or minimize certain fees by taking advantage of certain services such as combined and online account statements.

 

The improvement in card processing and interchange income resulted from increased volume and the related increase in interchange fees received.

 

Efforts to increase noninterest income revenues from financial services drove the improvement in insurance and investment fees, as we believe this segment continues to show potential for continued growth.

 

Other non-interest income also increased, by $138 thousand, but after considering the non-recurring net gains on sales of fixed assets of $190 thousand in 2021 and the $220 thousand bonus payment received in 2020 from our card service provider, the increase in this component would have been $168 thousand. This increase can be explained primarily by an increase of $128 thousand from commissions and gains on originations and sales of mortgage loans into the secondary market, partially driven by the loan production office we opened in Boone, North Carolina in the fourth quarter of 2020 and the deployment of additional loan originators during 2021.

 

32

 

Noninterest Expense

 

Noninterest expenses increased $870 thousand, or 3.2%, to $27.9 million at December 31, 2021, compared to $27.0 million at December 31, 2020. Although higher, noninterest expense as a percent of total average assets improved to 3.49% in 2021 from 3.63% in 2020. The increase in noninterest expense was primarily due to an increase of $1.2 million in occupancy and equipment expense, offset by a $566 thousand reduction in salaries and benefit expense.

 

The increase in occupancy and equipment expense was driven nearly entirely by $1.1 million in non-recurring losses on three former branch office locations, which were transferred into other real estate owned during the third quarter of 2021. Excluding this loss, occupancy and equipment expense would have increased $182 thousand, due largely to costs associated with the Kingsport office, which was opened in the third quarter of 2020.

 

The $566 thousand reduction in salaries and benefits expense is due to the restructuring implemented in May 2020, which included a combination of eliminated positions, retirements or resignations representing 12% of the workforce. Excluding the $358 thousand of severance costs incurred in 2020, this reduction would have been $924 thousand.

 

Other operating expenses were up $240 thousand due to higher loan and other real estate expenses of $246 thousand and $199 thousand, respectively. These increases offset decreases in FDIC insurance and consulting, which decreased $127 thousand and $235 thousand, respectively. FDIC premiums decreased due to improvements in our risk assessment. Consulting decreased due to costs incurred in 2020, which were not repeated in 2021. In addition, 2021 includes a $76 thousand increase in bank franchise taxes due to the increased tax base and added taxes for other states.

 

Our efficiency ratio, a non-GAAP measure, which is defined as noninterest expense divided by the sum of net interest income plus noninterest income, improved to 75.56% in 2021 compared to 81.10% in 2020. The decrease in this ratio is a result of improvements in both net interest income and noninterest income, as discussed above and in the Net Interest Income and Net Interest Margin section earlier in this Item 7. We continue to seek opportunities to operate more efficiently through the use of technology, improving processes, reducing nonperforming assets and increasing productivity.

 

Income Taxes and Deferred Tax Assets

 

Income taxes were $1.9 million in 2021, compared to $1.1 million in 2020. The effective tax rates were 21.7%, and 27.6% for 2021 and 2020, respectively. The effective tax rate for the periods differed from the federal statutory rate of 21.0% principally due the impact of the recapture of operating loss carryforwards and applicable credits. The higher effective tax rate in 2020 is the result of an increase in pre-tax earnings in relation to the various tax preference items.

 

Deferred tax assets represent the future tax benefit of future deductible differences. If it is more likely than not that a tax asset will not be realized, a valuation allowance is required to reduce the recorded deferred tax assets to net realizable value. The Company has evaluated positive and negative evidence to assess the realizability of its deferred taxes. Based on the evidence, including taxable income projections, the Company believes it is more likely than not that its deferred tax assets will be realizable. Accordingly, the Company did not include a valuation allowance against its deferred tax assets as of December 31, 2021 or 2020.

 

Tax positions are evaluated in a two-step process. The Company first determines whether it is more likely than not that a position will be sustained upon examination. If a tax position meets the more likely than not recognition threshold, it is then measured to determine the amount of benefit to recognize in the financial statements. The tax position is measured as the largest amount of benefit that is greater than 50% likely of being recognized. The Company classifies interest and penalties as a component of income tax expense.

 

As of December 31, 2021, the Company had Federal net operating loss carry forward amounts of approximately $2.2 million. These amounts are not limited pursuant to Internal Revenue Code (IRC) Section 382. The Company is subject to examination in the United States and multiple state jurisdictions. Open tax years for examination are 2018 – 2021.

 

 

Capital Resources

 

Our total stockholders’ equity at the end of 2021 was $63.6 million compared to $58.2 million at the end of 2020. The increase was $5.4 million, or 9.4%. Book value per common share was $2.66 at December 31, 2021 compared to $2.43 at December 31, 2020.

33

 

 

The Company meets the eligibility criteria to be considered a small bank holding company in accordance with the Federal Reserve’s Small Bank Holding Company Policy Statement issued in February 2015 and does not report consolidated regulatory capital. The Bank continues to be subject to various capital requirements administered by banking agencies.

 

The Bank is characterized as "well capitalized" under the “prompt corrective action” regulations pursuant to Section 38 of the FDIA. The capital adequacy ratios for the Bank, including the minimum ratios to be considered “well capitalized,” are set forth in Note 21, Capital, to the consolidated financial statements in Item 8 of this Form 10-K.

 

The Bank is also subject to the rules implementing the Basel III capital framework and certain related provisions of the Dodd-Frank Act. The final rules require the Bank to comply with the following minimum capital ratios: (i) a Common Equity Tier 1 (CET1) ratio of at least 4.5%, plus a 2.5% “capital conservation buffer” (effectively resulting in a minimum CET1 ratio of 7%), (ii) a ratio of Tier 1 capital to risk-weighted assets of at least 6.0%, plus the 2.5% capital conservation buffer (effectively resulting in a minimum Tier 1 capital ratio of 8.5%), (iii) a ratio of total capital to risk-weighted assets of at least 8.0%, plus the 2.5% capital conservation buffer (effectively resulting in a minimum total capital ratio of 10.5%), and (iv) a leverage ratio of 4%, calculated as the ratio of Tier 1 capital to average assets. The capital conservation buffer is designed to absorb losses during periods of economic stress. Banking institutions with a CET1 ratio above the minimum but below the conservation buffer face constraints on dividends, equity repurchases, and compensation based on the amount of the shortfall. As of December 31, 2021, the Bank meets all capital adequacy requirements to which it is subject.

 

Total assets increased in 2021 and we anticipate asset levels to increase in the future due to an emphasis on growing the loan portfolio and the core deposit base of the Bank. Based upon projections, we believe our earnings will be sufficient to support the Bank’s planned asset growth.

 

No cash dividends have been paid historically due to our past retained deficit. Earnings have accumulated over the last several years and we attained retained earnings in 2021. Subsequent to December 31, 2021, the Board of Directors declared a $0.05 cash dividend per share payable on March 31, 2022 to stockholders of record on March 15, 2022. This is the first cash dividend paid in the history of the Company. Future payments of cash dividends, if any, will depend on a number of factors including but not limited to maintaining positive retained earnings, compliance with regulatory rules governing the payment of dividends, strategic plans, and sufficient capital at the Bank to allow payment of dividends to the parent company.

 

Liquidity

 

We closely monitor our liquidity and our liquid assets in the form of cash, due from banks, federal funds sold and unpledged available-for-sale investments. Collectively, those balances were $159.3 million at December 31, 2021, down from $134.0 million at December 31, 2020. As discussed previously in this Form 10-K, this change is a direct result of redeployment of excess cash into investment securities, which generally return higher yields, while still providing liquidity, as discussed below. A surplus of short-term assets is maintained at levels management deems adequate to meet potential liquidity needs.

 

At December 31, 2021, all of our investments are classified as available-for-sale, providing an additional source of liquidity in the amount of $98.3 million, which is net of the $12.1 million of securities pledged as collateral. This will serve as a source of liquidity while yielding a higher return when compared to other short-term investment options, such as federal funds sold and overnight deposits with the Federal Reserve Bank of Richmond. Total investment securities increased $59.0 million, or 121.8%, during 2021 from $48.4 million at December 31, 2020.

 

Our loan to deposit ratio was 83.92% at December 31, 2021 and 86.16% at December 31, 2020.

 

Available third-party sources of liquidity remain intact at December 31, 2021 which includes the following: our line of credit with the FHLB totaling $199.9 million, the brokered certificates of deposit markets, internet certificates of deposit, and the discount window at the Federal Reserve Bank of Richmond. We also have $30.0 million in unsecured federal funds lines of credit available from three correspondent banks as of December 31, 2021.

 

We have used our line of credit with FHLB to issue letters of credit totaling $12.0 million to the Treasury Board of Virginia for collateral on public funds. No draws on the letters of credit have been issued. The letters of credit are considered draws on our FHLB line of credit. An additional $187.9 million was available on December 31, 2021 on the $199.9 million line of credit, of which $123.6 million is secured by a blanket lien on our residential real estate loans.

34

 

 

While we have access to the brokered deposits market, we held no brokered deposits at December 31, 2021 or 2020. As of December 31, 2021, we had $5.8 million in reciprocal CDARS time deposits, compared to $9.6 million at December 31, 2020.

 

The Bank has access to additional liquidity through the Federal Reserve Bank of Richmond’s Discount Window for overnight funding needs. We may collateralize this line with investment securities and loans at our discretion; however, we do not anticipate using this funding source except as a last resort.

 

With the on-balance sheet liquidity and other external sources of funding, we believe the Bank has adequate liquidity and capital resources to meet our requirements and needs for the foreseeable future. However, liquidity can be further affected by a number of factors such as, counterparty willingness or ability to extend credit, regulatory actions and customer preferences, some of which are beyond our control. With the current economic uncertainty resulting from the COVID-19 pandemic, inflation and the war in Ukraine, we continue monitoring of our liquidity position, specifically cash on hand in order to meet customer demands. Additionally, our contingency funding plan is reviewed quarterly with our Asset Liability Committee.

 

 

Financial Instruments with Off-Balance-Sheet Risk

 

The Bank is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the balance sheet. The contract or notional amounts of those instruments reflect the extent of involvement the Bank has in particular classes of financial instruments.

 

The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments.

 

A summary of the contract amount of the Bank’s exposure to off-balance-sheet risk as of December 31, 2021 and 2020 is as follows:

 

(Dollars in thousands)  2021  2020
Financial instruments whose contract amounts represent credit risk:          
Commitments to extend credit  $69,015   $57,334 
Standby letters of credit   3,684    2,031 

 

Commitments to extend credit are agreements to lend to a customer provided there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s credit worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the counterparty. Collateral held varies but may include accounts receivable, inventory, property and equipment, and income-producing commercial properties.

 

Unfunded commitments under lines of credit are commitments for possible future extensions of credit to existing customers. Those lines of credit may not actually be drawn upon to the total extent to which the Bank is committed.

 

Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements, including commercial paper, bond financing, and similar transactions. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Bank holds certificates of deposit, deposit accounts, and real estate as collateral supporting those commitments for which collateral is deemed necessary.

 

 

Interest Sensitivity

 

At December 31, 2021, we had a negative cumulative gap rate sensitivity ratio of 12.97% for the one-year re-pricing period, compared to 21.46% at December 31, 2020. A negative cumulative gap generally indicates that net interest income would decline in a rising interest rate environment as liabilities re-price more quickly than assets. Conversely, net interest income would likely increase in periods during which interest rates are increasing. The below table is based on contractual maturities and does not take into consideration prepayment speeds of investment securities and loans, nor does it consider decay rates for non-maturity deposits. When considering these prepayment speed and decay rate assumptions, along with our ability to control the repricing of a significant portion of the deposit portfolio, we are in a position to increase interest income in a rising interest rate environment. With the FOMC initiating a series of expected rate increases, we believe our current interest risk profile remains acceptable. Furthermore, we are implementing strategies to moderate any potential adverse impact to our current interest rate risk profile, from what could be a sustained medium- to long-term environment of rising interest rates.

35

 

 

Interest Sensitivity Analysis
December 31, 2021
(In thousands of dollars)
   1 - 90 Days  91-365 Days  1 - 3   Years  4-5     Years  6-10  Years  Over 10 years  Total
Uses of funds:                     
Loans  $117,732   $108,871   $196,232   $117,809   $45,156   $7,944   $593,744 
Federal funds sold   228    —      —      —      —      —      228 
Deposits with banks   45,516    —      250         —      —      45,766 
Investments   7,525    10,891    21,277    18,367    31,564    18,764    108,388 
Bank owned life insurance   4,685    —      —      —      —      —      4,685 
Total earning assets  $175,686   $119,762   $217,759   $136,176   $76,720   $26,708   $752,811 
                                    
Sources of funds:                                   
Int Bearing DDA   65,212    —      —      —      —      —      65,212 
Savings & MMDA   194,702    —      —      —      —      —      194,702 
Time Deposits   34,727    81,983    51,120    28,512    —      —      196,342 
Trust Preferred Securities   16,496    —      —      —      —      —      16,496 
Federal funds purchased   —                               —   
Other Borrowings   —      —      —      —      —      —      —   
Total interest bearing liabilities  $311,137   $81,983   $51,120   $28,512   $—     $—     $472,752 
                                    
Discrete Gap  $(135,451)  $37,779   $166,639   $107,664   $76,720   $26,708   $280,059 
Cumulative Gap  $(135,451)  $(97,672)  $68,967   $176,631   $253,351   $280,059      
Cumulative Gap as % of Total Earning Assets   -17.99%   -12.97%   9.16%   23.46%   33.65%   37.20%     

 

 

Item 7A. Quantitative and Qualitative Disclosures About Market Risk

 

Not required.

36

 

Item 8. Financial Statements and Supplementary Data

 

FINANCIAL STATEMENTS

 

CONTENTS  

 

 

Page

 

 

Report of Independent Registered Public Accounting Firm

38

 

 

Consolidated Balance Sheets December 31, 2021 and 2020

40
   

Consolidated Statements of Income – Years Ended December 31, 2021 and 2020

41

 

 

Consolidated Statements of Comprehensive Income – Years Ended December 31, 2021 and 2020

42

 

 

Consolidated Statements of Stockholders’ Equity – Years Ended December 31, 2021 and 2020

43

 

 

Consolidated Statements of Cash Flows – Years Ended December 31, 2021 and 2020

44

 

 
Notes to Consolidated Financial Statements 45

 

37

 

 

 

 

 

Report of Independent Registered Public Accounting Firm

 

To the Shareholders and the Board of Directors of New Peoples Bankshares, Inc. and Subsidiaries

 

Opinion on the Financial Statements

We have audited the accompanying consolidated balance sheets of New Peoples Bankshares, Inc. and Subsidiaries (the Company) as of December 31, 2021 and 2020, the related consolidated statements of income, comprehensive income, stockholders’ equity and cash flows for the years then ended, and the related notes to the consolidated financial statements (collectively, the financial statements). In our opinion, the financial statements present fairly, in all material respects, the financial position of the Company as of December 31, 2021 and 2020, and the results of its operations and its cash flows for the years then ended, in conformity with accounting principles generally accepted in the United States of America.

 

Basis for Opinion

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

 

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

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

 

Critical Audit Matters

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

 

38

 

 elliottdavis.com

 

Allowance for Loan Losses

As described in Note 6 and Note 7 to the Company’s financial statements, the Company’s loan portfolio and associated allowance for loan losses (the “Allowance”) totaled approximately $593.7 million and $6.7 million, respectively, at December 31, 2021. As described in Note 1 and Note 7 to the financial statements, the Company’s Allowance is an estimate of probable credit losses as of the balance sheet date and considers both unimpaired and impaired loans. Management’s determination of the allowance for loan losses related to the Company’s loan portfolio segment is generally based on the credit risk ratings and historical loss experience of individual borrowers, supplemented, as necessary, by credit judgment to address observed changes in trends and conditions, and other relevant environmental and economic factors such as concentrations of credit risk (geographic, large borrower, and industry), economic trends and conditions, changes in underwriting standards, experience and depth of lending staff, trends in delinquencies, and the level of net charge-offs (qualitative factor adjustments).

Auditing the Company’s Allowance involved a high degree of subjectivity due to the judgment involved in management’s identification and measurement of qualitative factor adjustments included in the estimate of the Allowance for loan losses. 

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

  • We evaluated the relevance and the reasonableness of assumptions related to evaluation of the loan portfolio, current economic conditions, and other risk factors used in development of the qualitative factors for collectively evaluated loans.
  • We evaluated the reasonableness of assumptions and data used by the Company in developing the qualitative factors by comparing these data points to internally developed and third-party sources, and other audit evidence gathered.
  • Analytical procedures were performed to evaluate changes that occurred in the allowance for loan losses for loans collectively evaluated for impairment.

 

/s/ Elliott Davis, LLC

 

Firm ID 149

We have served as the Company's auditor since 2011.

 

Greenville, South Carolina

March 31, 2022

 

39

 

NEW PEOPLES BANKSHARES, INC.

CONSOLIDATED BALANCE SHEETS

DECEMBER 31, 2021 AND 2020

(in thousands except share data)

 

       
ASSETS  2021  2020
       
Cash and due from banks  $14,952   $16,023 
Interest-bearing deposits with banks   45,766    76,105 
Federal funds sold   228    222 
Total Cash and Cash Equivalents   60,946    92,350 
           
Investment securities available-for-sale   107,358    48,406 
           
Loans held for sale   —      389 
           
Loans receivable   593,744    575,566 
Allowance for loan losses   (6,735)   (7,191)
Net Loans   587,009    568,375 
           
Bank premises and equipment, net   20,735    22,174 
Other real estate owned   1,361    3,334 
Accrued interest receivable   2,112    2,392 
Deferred taxes, net   1,673    3,126 
Right-of-use assets – operating leases   4,062    5,439 
Other assets   9,391    10,317 
Total Assets  $794,647   $756,302 
           
LIABILITIES          
           
Deposits          
Noninterest bearing  $251,257   $223,725 
Interest-bearing   456,256    444,287 
Total Deposits   707,513    668,012 
           
Borrowed funds   16,496    21,496 
Lease liabilities – operating leases   4,062    5,439 
Accrued interest payable   272    436 
Accrued expenses and other liabilities   2,673    2,742 
Total Liabilities   731,016    698,125 
           
Commitments and Contingent Liabilities (Notes 19 and 20)          
           
STOCKHOLDERS’ EQUITY          
           
Common stock - $2.00 par value; 50,000,000 shares authorized; 23,922,086 shares issued and outstanding at December 31, 2021 and 2020, respectively   47,844    47,844 
Additional paid-in capital   14,570    14,570 
Retained earnings (deficit)   2,031    (4,979)
Accumulated other comprehensive (loss) income   (814)   742 
Total Stockholders’ Equity   63,631    58,177 
Total Liabilities and Stockholders’ Equity  $794,647   $756,302 
           

 

    

The accompanying notes are an integral part of these financial statements.                

40

 

NEW PEOPLES BANKSHARES, INC.

CONSOLIDATED STATEMENTS OF INCOME

FOR THE YEARS ENDED DECEMBER 31, 2021 AND 2020

(in thousands except share and per share data)

 

 

       
INTEREST AND DIVIDEND INCOME  2021  2020
Loans including fees  $28,323   $28,638 
Federal funds sold   —      1 
Interest-earning deposits with banks   95    208 
Investments   1,377    1,048 
Dividends on equity securities (restricted)   117    141 
Total Interest and Dividend Income   29,912    30,036 
           
INTEREST EXPENSE          
Deposits   2,248    4,284 
Borrowed funds   453    609 
Total Interest Expense   2,701    4,893 
           
NET INTEREST INCOME   27,211    25,143 
           
PROVISION FOR LOAN LOSSES   372    2,300 
           
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES   26,839    22,843 
           
NONINTEREST INCOME          
Service charges and fees   3,724    3,217 
Card processing and interchange income   3,871    3,314 
Insurance and investment fees   1,029    716 
Net gain on sales of available-for-sale securities   322    4 
Other noninterest income   1,034    896 
Total Noninterest Income   9,980    8,147 
           
NONINTEREST EXPENSES          
Salaries and employee benefits   12,662    13,228 
Occupancy and equipment expenses   5,785    4,536 
Data processing and telecommunications   2,444    2,497 
Other operating expenses   6,976    6,736 
Total Noninterest Expenses   27,867    26,997 
           
INCOME BEFORE INCOME TAXES   8,952    3,993 
           
INCOME TAX EXPENSE   1,942    1,103 
           
NET INCOME  $7,010   $2,890 
           
Income Per Share          
Basic and Diluted  $0.29   $0.12 
Average Weighted Shares of Common Stock          
Basic and Diluted   23,922,086    23,922,086 

 

        The accompanying notes are an integral part of these financial statements.                

 

41

 

 

NEW PEOPLES BANKSHARES, INC.

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

FOR THE YEARS ENDED DECEMBER 31, 2021 AND 2020

(Dollars in thousands)

 

       
   2021  2020
       
NET INCOME  $7,010   $2,890 
           
Other comprehensive income:          
     Investment securities activity:          
          Unrealized (losses) gains arising during the year   (1,647)   871 
          Reclassification adjustment for net gains included in net income   (322)   (4)
             Other comprehensive (losses) gains on investment securities   (1,969)   867 
          Related tax benefit (expense)   413    (182)
TOTAL OTHER COMPREHENSIVE (LOSS) INCOME   (1,556)   685 
TOTAL COMPREHENSIVE INCOME  $5,454   $3,575 

  

 

The accompanying notes are an integral part of these financial statements.

42

 

NEW PEOPLES BANKSHARES, INC.

CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY

FOR THE YEARS ENDED DECEMBER 31, 2021 AND 2020

(in thousands including share data)

 

 

                               
  

 

 

 

 

 

Shares of

Common

Stock

 

 

 

 

 

 

 

Common

Stock

 

 

 

 

 

 

Additional

Paid-in

Capital

 

 

 

 

 

 

Retained Earnings

(Deficit)

 

 

Accumu-lated

Other Compre-hensive

Income (Loss)

 

 

 

 

 

 

Total

Stockholders’

Equity

Balance,

December 31, 2019

   23,922   $47,844   $14,570   $(7,869)  $57   $54,602 
                               
Net income   —      —      —      2,890    —      2,890 
                               

Other

comprehensive

income, net of tax

   —      —      —      —      685    685 
                               

Balance,

December 31, 2020

   23,922   $47,844   $14,570   $(4,979)  $742   $58,177 
                               
Net income   —      —      —      7,010    —      7,010 
                               

Other

comprehensive

loss, net of tax

   —      —      —      —      (1,556)   (1,556)
                               

Balance,

December 31, 2021

   23,922   $47,844   $14,570   $2,031   $(814)  $63,631 

  

The accompanying notes are an integral part of these financial statements.

43

 

NEW PEOPLES BANKSHARES, INC.

CONSOLIDATED STATEMENTS OF CASH FLOWS

FOR THE YEARS ENDED DECEMBER 31, 2021 AND 2020

(Dollars are in thousands)

 

       
   2021  2020
CASH FLOWS FROM OPERATING ACTIVITIES          
Net income  $7,010   $2,890 

Adjustments to reconcile net income to net cash provided by

operating activities:

          
Depreciation   2,097    2,189 
Provision for loan losses   372    2,300 
Income on bank owned life insurance   (32)   (77)
Gain on sale of securities available-for-sale   (322)   (4)
Gain on sale of mortgage loans   (104)   (174)
Loss on sale or disposal of premises and equipment   1,098    19 
Gain on sale of foreclosed real estate and repossessed assets   (126)   (58)
Loans originated for sale   (5,814)   (11,948)
Proceeds from sales of loans originated for sale   6,307    11,735 
Adjustment of carrying value of foreclosed real estate and repossessed assets   466    165 
Net amortization/accretion of bond premiums/discounts   482    419 
Deferred tax expense   1,866    1,103 
Net change in:          
Interest receivable   280    (277)
Other assets   403    77 
Accrued interest payable   (164)   (258)
Accrued expenses and other liabilities   (19)   473 
Net Cash Provided by Operating Activities   13,800    8,574 
           
CASH FLOWS FROM INVESTING ACTIVITIES          
Net increase in loans   (18,987)   (14,199)
Purchase of securities available-for-sale   (85,082)   (9,584)
Proceeds from sale of investment securities available-for-sale   7,686    1,025 
Proceeds from repayments and maturities of securities available-for-sale   16,315    11,254 
Net sale (purchase) of equity securities (restricted)   555    (22)
Payments for the purchase of premises and equipment   (4,094)   (2,141)
Proceeds from sale of premises and equipment   1,203    1 
Proceeds from insurance claims on other real estate owned   54    —   
Proceeds from sales of other real estate owned   2,645    760 
Net Cash Used in Investing Activities   (79,705)   (12,906)
           
CASH FLOWS FROM FINANCING ACTIVIES          
Net change in short term borrowings   (5,000)   —   
Net change in noninterest bearing deposits   27,532    52,943 
Net change in interest bearing deposits   11,969    (6,408)
Net Cash Provided by Financing Activities   34,501    46,535 
Net (decrease) increase in cash and cash equivalents   (31,404)   42,203 
Cash and Cash Equivalents, Beginning of the Year   92,350    50,147 
Cash and Cash Equivalents, End of the Year  $60,946   $92,350 
           
Supplemental Disclosure of Cash Paid During the Year for:          
Interest  $2,865   $5,151 
Taxes  $—     $(166)
Supplemental Disclosure of Non-Cash Transactions:          
Right-of-use assets obtained in exchange for new operating lease liabilities  $86   $—   
Loan made to finance sale of premises and equipment  $185   $—   
Other real estate acquired in settlement of foreclosed loans  $566   $1,128 
Loans made to finance sale of foreclosed real estate  $400   $428 
Transfer of premises and equipment to other real estate  $950   $—   
Change in unrealized gains on securities available for sale  $(1,969)  $867 

  

 

The accompanying notes are an integral part of these financial statements.

44

 

NEW PEOPLES BANKSHARES, INC.

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE 1 NATURE OF OPERATIONS

 

Nature of Operations – New Peoples Bankshares, Inc. (New Peoples) is a financial holding company whose principal activity is the ownership and management of a community bank, New Peoples Bank, Inc. (the Bank). New Peoples and the Bank are each organized and incorporated under the laws of the Commonwealth of Virginia. As a state-chartered member bank, the Bank is subject to regulation by the Virginia Bureau of Financial Institutions, the Federal Deposit Insurance Corporation and the Board of Governors of the Federal Reserve System. The Bank provides general banking services to individuals, small and medium size businesses and the professional community of southwest Virginia, southern West Virginia, northeastern Tennessee and western North Carolina. These services include commercial and consumer loans along with traditional deposit products such as checking and savings accounts.

 

 

NOTE 2 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

 

Basis of Presentation and Consolidation - The consolidated financial statements include New Peoples, the Bank, NPB Insurance Services, Inc., and NPB Web Services, Inc. (Hereinafter, collectively referred to as the Company, we, us, or our). All significant intercompany balances and transactions have been eliminated. In accordance with Accounting Standards Codification (ASC) 942, Financial Services – Depository and Lending, NPB Capital Trust I and 2 are not included in the consolidated financial statements.

 

Use of Estimates - The preparation of financial statements in conformity with generally accepted accounting principles of the United States (GAAP) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. The determination of the adequacy of the allowance for loan losses and the determination of the deferred tax asset and related valuation allowance are based on estimates that are particularly susceptible to significant changes in the economic environment and market conditions.

 

Cash and Cash Equivalents – Cash and cash equivalents as used in the cash flow statements include cash and due from banks, interest-bearing deposits with banks, federal funds sold and investment securities maturing within three months.

 

Investment Securities – Management determines the appropriate classification of securities at the time of purchase. If management has the intent and the Company has the ability at the time of purchase to hold securities until maturity, they are classified as held to maturity and carried at amortized historical cost. Securities not intended to be held to maturity are classified as available-for-sale and carried at fair value. Securities available-for-sale are intended to be used as part of the Company’s asset and liability management strategy and may be sold in response to changes in interest rates, prepayment risk or other similar factors.

 

The amortization of premiums and accretion of discounts are recognized in interest income using the effective interest method over the period to maturity for discounts and the earlier of call date or maturity for premiums. Realized gains and losses on dispositions are based on the net proceeds and the adjusted book value of the securities sold, using the specific identification method. Realized gains (losses) on securities available-for-sale are included in noninterest income and, when applicable, are reported as a reclassification adjustment, net of tax, in other comprehensive income. Unrealized gains and losses on investment securities available for sale are based on the difference between book value and fair value of each security. These gains and losses are credited or charged to other comprehensive income, net of tax, whereas realized gains and losses flow through the statements of income.

 

Loans held for sale – Mortgage loans originated and intended for sale in the secondary market are carried at the lower of aggregate cost or fair value, as determined by outstanding commitments from investors. Net unrealized losses, if any, are recorded as a valuation allowance through earnings. Mortgage loans held for sale are generally sold with servicing released. Gains and losses on sales of mortgages are based on the difference between the selling price and the carrying value of the related loan sold.

 

Loans – Loans are carried on the balance sheet at unpaid principal balance, net of any unearned interest and the allowance for loan losses. Interest income on loans is computed using the effective interest method, except where serious doubt exists as to the collectability of the loan, in which case accrual of the income is discontinued.

45

 

 

It is the Company’s policy to stop accruing interest on a loan, and classify that loan as non-accrual under the following circumstances: (a) whenever we are advised by the borrower that scheduled payment or interest payments cannot be met, (b) when our best judgment indicates that payment in full of principal and interest can no longer be expected, or (c) when any such loan or obligation becomes delinquent for 90 days unless it is both well secured and in the process of collection. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income, except in the case of a nonaccrual loan that is well secured and in the process of collection, in which case, the interest accrued but not collected is not reversed. The interest on these loans is accounted for on the cash basis or cost-recovery method, until qualifying for return to accrual status. Generally, loans are returned to accrual status when all the principal and interest amounts contractually due are brought current, six consecutive timely payments are made, and prospects for future contractual payments are reasonably assured.

 

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 for commercial and construction loans 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.

 

Significant Group Concentrations of Credit Risk – The Company identifies a concentration as any obligation, direct or indirect, of the same or affiliated interests which represent 25% or more of the Company’s capital structure, or $15.9 million as of December 31, 2021. Most of the Company’s activities are with customers located within southwest Virginia, southern West Virginia, northeastern Tennessee region and western North Carolina. Certain concentrations may pose credit risk. The Company does not have any significant concentrations to any one industry or customer.

 

Allowance for Loan Losses – The allowance for loan losses is maintained at a level that, in management’s judgment, is adequate to absorb credit losses inherent in the loan portfolio. The loan portfolio is analyzed periodically and loans are assigned a risk rating. Allowances for impaired loans are generally determined based on collateral values or the present value of expected cash flows. A general allowance is made for all other loans not considered impaired as deemed appropriate by management. In determining the adequacy of the allowance, management considers the following factors: the nature of the portfolio, credit concentrations, trends in historical loss experience, specific impaired loans, the estimated value of any underlying collateral, prevailing environmental factors and economic conditions, and other inherent risks. While management uses available information to recognize losses on loans, further reductions in the carrying amounts of loans may be necessary based on changes in collateral values and changes in estimates of cash flows on impaired loans. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.

 

The allowance is increased by a provision for loan losses, which is charged to expense and reduced by charge-offs, net of recoveries. Loans are charged against the allowance for loan losses when management believes that collectability of all or part of the principal is unlikely. Past due status is determined based on contractual terms.

 

In regard to our consumer and consumer real estate loan portfolio, the Company uses the guidance found in the Uniform Retail Credit Classification and Account Management Policy which affects our estimate of the allowance for loan losses. Under this approach, a consumer or consumer real estate loan must initially have a credit risk grade of Pass or better. Subsequently, if the loan becomes contractually 90 days past due or the borrower files for bankruptcy protection, the loan is downgraded to Substandard and placed in nonaccrual status. If the loan is unsecured, upon being deemed Substandard, the entire loan amount is charged off. For non-1-4 family residential loans that are 90 days past due or greater, or in bankruptcy, the collateral value less estimated liquidation costs is compared to the loan balance to calculate any potential deficiency. If the collateral is sufficient then no charge-off is necessary. If a deficiency exists, then upon the loan becoming contractually 120 days past due, the deficiency is charged-off against the allowance for loan loss. In the case of 1-4 family residential or home equity loans, upon the loan becoming 120 days past due, a current value is obtained and after application of an estimated liquidation discount, a comparison is made to the loan balance to calculate any deficiency. Subsequently, any noted deficiency is then charged-off against the allowance for loan loss when the loan becomes contractually 180 days past due. If the customer has filed bankruptcy, then within 60 days of the bankruptcy notice, any calculated deficiency is charged-off against the allowance for loan loss. Collection efforts continue by means of repossessions or foreclosures, and upon bank ownership, liquidation ensues.

46

 

 

Bank Premises and Equipment – Land, buildings and equipment are recorded at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the following estimated useful lives:

 

   
Type   Estimated useful life
Buildings   39 years
Paving and landscaping   15 years
Computer equipment and software   3 to 5 years
Vehicles   5 years
Furniture and other equipment   5 to 10 years

Leasehold improvements are amortized over the terms of the respective leases or the estimated useful lives of the improvements, whichever is shorter. Repairs and maintenance costs are recorded as a component of noninterest expense as incurred.

Other Real Estate Owned – Other real estate owned represents properties acquired through foreclosure or deeds taken in lieu of foreclosure and former branch sites that have been closed and for which there are no intentions to re-open or otherwise use the location. At the time of acquisition, these properties are recorded at fair value less estimated costs to sell. Expenses incurred in connection with operating these properties and subsequent write-downs, if any, are charged to operations. Subsequent to foreclosure, management periodically considers the adequacy of the reserve for losses on the property. Gains and losses on the sales of these properties are credited or charged to income in the year of the sale.

 

Bank Owned Life Insurance (BOLI) – The Bank purchased life insurance policies on certain, now-former, key officers and employees. BOLI is recorded at the cash surrender value. Tax-exempt income from changes in the net cash surrender value are recorded in noninterest income.

 

Leases – A right-of-use asset and related lease liability is recognized for operating leases the Bank has entered into for certain office facilities. Most leases include one or more options to renew. The exercise of lease renewal options is typically at the sole discretion of management. If it is determined that it is reasonably certain that the Bank will exercise renewal options, the additional term is included in the calculation of the lease liability. As most of our leases do not provide an implicit rate, we use the fully collateralized Federal Home Loan Bank borrowing rate, commensurate with the lease terms at the lease commencement date in determining the present value of the lease payments.

 

Income Taxes – Deferred tax assets or liabilities are computed based upon the difference between financial statement and income tax bases of assets and liabilities using the enacted marginal tax rate. The Company provides a valuation allowance on its net deferred tax assets where it is more likely than not such assets will not be realized. At December 31, 2021 and 2020, the Company had no valuation allowance on its net deferred tax assets.

 

The Company recognizes the tax benefit from an uncertain tax position only if it is more likely than not the tax position will be sustained on examination by the taxing authorities, based on the technical merits of the position. The tax benefits recognized in the financial statements from such positions are then measured based on the largest benefit that has a greater than 50% likelihood of being realized upon settlement. See Note 10, Income Taxes, for additional information. The Company records any penalties and interest attributed to uncertain tax positions as a component of income tax expenses.

 

Income Per Share – Basic income per share computations are based on the weighted average number of shares outstanding during each period. Dilutive earnings per share reflect the additional common shares that would have been outstanding if dilutive potential common shares had been issued.

 

Financial Instruments – Off-balance-sheet instruments - In the ordinary course of business, the Company has entered into commitments to extend credit. Such financial instruments are recorded in the financial statements when they are funded.

 

Financial Instruments – Fair Value – Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully discussed in Note 22. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risks, prepayments and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or market conditions could significantly affect these estimates.

47

 

 

Comprehensive Income – GAAP require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities, are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive income. The change in unrealized gains and losses on available-for-sale securities is the Company’s only component of other comprehensive income.

 

Revenue from Contracts with Customers - The Company generally satisfies its performance obligations fully on its contracts with customers as services are rendered; and the transaction prices are typically fixed, charged either on a periodic basis or based on activity.

 

Advertising Cost – Advertising costs are expensed in the period incurred. Those costs, which are included in Advertising, sponsorships and donations in Note 24 totaled $252 thousand and $216 thousand, for the years ended December 31, 2021 and 2020, respectively.

 

Reclassification – Certain reclassifications have been made to the prior years’ financial statements to place them on a comparable basis with the current year. Net income and stockholders’ equity previously reported were not affected by these reclassifications.

 

Subsequent Events – The Company has evaluated subsequent events for potential recognition and/or disclosure through the date these consolidated financial statements were issued. See Note 25 Subsequent Events for additional information.

 

 

NOTE 3 INCOME PER SHARE

 

Basic income per share computations are based on the weighted average number of shares outstanding during each year. Dilutive earnings per share reflect the additional common shares that would have been outstanding if dilutive potential common shares had been issued. For the years ended December 31, 2021 and 2020, there were no dilutive potential common shares. Basic and diluted net income per common share calculations follows:

 

          
(Amounts in thousands, except  For the year ended
share and per share data)  December 31,
   2021  2020
Net income  $7,010   $2,890 
Weighted average shares outstanding   23,922,086    23,922,086 
Weighted average dilutive shares outstanding   23,992,086    23,992,086 
Basic and diluted income per share  $0.29   $0.12 

 

 

NOTE 4 DEPOSITS IN AND FEDERAL FUNDS SOLD TO BANKS

 

The Bank had federal funds sold and interest-bearing cash on deposit with other commercial banks amounting to $46.0 million and $76.3 million at December 31, 2021 and 2020, respectively. Deposit amounts at other commercial banks may, at times, exceed federally insured limits.

 

Effective March 26, 2020, the Board of Governors of the Federal Reserve System set reserve requirements to zero. Therefore, the Bank is no longer required to maintain minimum reserve balances with the Federal Reserve Bank of Richmond (the Federal Reserve Bank). Prior to March 26, 2020, the minimum required reserve balance was computed by applying prescribed percentages to various types of deposits, either at the Bank or on deposit with the Federal Reserve Bank.

 

The Bank has a total of $30.0 million and $20 million in unsecured fed funds lines of credit facilities from three correspondent banks that were available at December 31, 2021 and 2020. Of these total commitments, all were available at December 31, 2021 and 2020, respectively. As a condition for $5.0 million of one of the unsecured fed funds line of credit, the Bank maintains a minimum deposit balance of $250 thousand with this correspondent bank. At December 31, 2021 and 2020, the Bank was in compliance with this requirement.

 

48

 

NOTE 5 INVESTMENT SECURITIES

 

The amortized cost and estimated fair value of securities (all available-for-sale) as of December 31, 2021 and December 31, 2020 are as follows:

                    
      Gross  Gross  Approximate
   Amortized  Unrealized  Unrealized  Fair
(Dollars are in thousands)  Cost  Gains  Losses  Value
December 31, 2021                    
U.S. Treasuries   7,791   $2   $122   $7,671 
U.S. Government Agencies   9,098    77    86    9,089 
Taxable municipals   23,075    159    254    22,980 
Corporate bonds   2,014    23    18    2,019 
Mortgage backed securities   66,410    143    954    65,599 
Total Securities available for sale   108,388   $404   $1,434   $107,358 
December 31, 2020                    
U.S. Government Agencies   13,852   $322   $67   $14,107 
Taxable municipals   5,157    188    —      5,345 
Corporate bonds   5,893    186    31    6,048 
Mortgage backed securities   22,565    388    47    22,906 
Total Securities available for sale   47,467   $1,084   $145   $48,406 

 

 

The following table details unrealized losses and related fair values in the available-for-sale portfolio. This information is aggregated by the length of time that individual securities have been in a continuous unrealized loss position as of December 31, 2021 and December 31, 2020.

 

                              
   Less than 12 Months  12 Months or More  Total

 

(Dollars are in thousands)

  Fair Value 

Unrealized

Losses

 

Fair

Value

 

Unrealized

Losses

 

Fair

Value

 

Unrealized

Losses

December 31, 2021                  
U.S. Treasuries  $6,200   $122   $—     $—     $6,200   $122 
U.S. Government Agencies   977    10    3,434    76    4,411    86 
Taxable municipals   13,040    237    387    17    13,427    254 
Corporate bonds   1,482    18    —      —      1,482    18 
Mtg. backed securities   52,180    758    6,282    196    58,462    954 
Total Securities AFS  $73,879   $1,145   $10,103   $289   $83,982   $1,434 
                               
December 31, 2020                              
U.S. Government Agencies  $1,479   $12   $3,829   $55   $5,308   $67 
Taxable municipals   —      —      —      —      —      —   
Corporate bonds   1,219    31    —      —      1,219    31 
Mtg. backed securities   7,517    44    218    3    7,735    47 
Total Securities AFS  $10,215   $87   $4,047   $58   $14,262   $145 
                               

 

At December 31, 2021, the available-for-sale portfolio included 113 investments for which the fair market value was less than amortized cost. At December 31, 2020, the available-for-sale portfolio included 42 investments for which the fair market value was less than amortized cost. Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, 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 conditions 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 recovery in fair value. Based on the Company’s analysis, the Company concluded that no securities had other-than-temporary impairment at December 31, 2021 or December 31, 2020.

 

Investment securities with a carrying value of $12.1 million and $6.8 million at December 31, 2021 and 2020, respectively, were pledged to secure public deposits and for other purposes required by law.

 

During the year ended December 31, 2021, $7.7 million of securities were sold, realizing $322 thousand in gains. During the year ended December 31, 2020, $1.0 million of securities were sold, realizing $4 thousand in gains.

 

49

 

The amortized cost and fair value of investment securities at December 31, 2021, by contractual maturity, are shown in the following schedule. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Also, actual maturities may differ from scheduled maturities on amortizing securities, such as mortgage-backed securities and collateralized mortgage obligations, because the underlying collateral on these types of securities may be repaid prior to the scheduled maturity date.

     
  Weighted
(Dollars are in thousands) Amortized   Fair   Average
Securities Available for Sale Cost   Value   Yield
Due in one year or less $ 1,051 $ 1,060   2.56%
Due after one year through five years 7,858 7,804 1.41%
Due after five years through ten years   12,819   12,747   1.54%
Due after ten years   86,660   85,747   1.61%
Total $ 108,388 $ 107,358   1.59%

 

The Bank, as a member of the Federal Reserve Bank and the Federal Home Loan Bank of Atlanta (FHLB), is required to hold stock in each. The Bank also owns stock in CBB Financial Corp., which is a correspondent of the Bank. These equity securities, which are included in Other Assets on the consolidated balance sheet, are restricted from trading and are recorded at a cost of $2.0 million and $2.6 million at December 31, 2021 and 2020, respectively. The stock has no quoted market value and no ready market exists.

 

NOTE 6 LOANS

 

Loans receivable outstanding at December 31, 2021 and 2020, are summarized as follows:

 

          
   December 31,
(Dollars are in thousands)  2021  2020
Real estate secured:          
Commercial  $206,162   $179,381 
Construction and land development   32,325    25,031 
Residential 1-4 family   224,530    222,980 
Multifamily   33,048    16,569 
Farmland   18,735    18,368 
Total real estate loans   514,800    462,329 
Commercial   54,325    86,010 
Agriculture   4,021    4,450 
Consumer installment loans   18,756    20,632 
All other loans   1,842    2,145 
Total loans  $593,744   $575,566 

 

 

Included in commercial loans at December 31, 2021 and 2020, were $6.4 million and $34.8 million of PPP loans that are guaranteed by the SBA.

 

Also included in total loans above are deferred loan fees of $1.8 million and $2.3 million, at December 31, 2021 and 2020, respectively, which include deferred PPP loan fees. Deferred loan costs were $2.0 million and $1.8 million, at December 31, 2021 and 2020, respectively. Income from net deferred fees and costs is recognized as income over the lives of the respective loans as a yield adjustment. If loans repay prior to scheduled maturities any unamortized fee or cost is recognized at that time.

 

As a result of PPP originations during 2021 and 2020, net deferred fees totaling $1.6 million and $1.6 million were received, respectively, and $2.0 million and $994 thousand was recognized through earnings, respectively.

 

 

50

 

Loans receivable on nonaccrual status at December 31, 2021 and 2020 are summarized as follows:

 

          
(Dollars are in thousands)  2021  2020
Real estate secured:          
Commercial  $415   $2,225 
Construction and land development   37    57 
Residential 1-4 family   2,314    2,700 
Multi-family   111    —   
Farmland   48    101 
Total real estate loans   2,925    5,083 
Commercial   9    453 
Consumer installment and other loans   7    12 
Total loans receivable on nonaccrual status  $2,941   $5,548 

 

Total interest income not recognized on nonaccrual loans for 2021 and 2020 was $223 thousand and $494 thousand, respectively.

 

No accounts received pandemic related forbearance in 2021. During the year ended December 31, 2020, under the provisions of the CARES Act or related guidance issued by banking regulators, modifications, mainly in the form of short-term payment deferrals, were granted on 786 loans totaling $119.6 million. At December 31, 2021, 543 accounts totaling $82.4 million remain, of which 538 accounts totaling $82.3 million are current or less than 90 days past due. All of these accounts are subject to a normal repayment schedule. No accounts at December 31, 2021 were subject to pandemic related forbearance. At December 31, 2020, 673 loans totaling $110.7 million had completed their forbearance period and resumed a normal payment schedule, and 15 loans totaling $836 thousand remained in forbearance. At December 31, 2020, the remaining 98 accounts had been repaid in full or refinanced at market terms and conditions.

 

Of the accounts that received some form of forbearance during 2020, at December 31, 2021, $15.2 million were to lessors of residential properties, $12.8 to lessors of nonresidential properties and $6.7 million to hotels and restaurants; while at December 31, 2020, $21.4 million were to lessors of residential properties, $16.0 million to lessors of non-residential properties, $12.4 million to hotels and restaurants, and $6.0 million to coal and gas mining operations.

 

 

The following table presents information concerning the Company’s investment in loans considered impaired as of December 31, 2021 and December 31, 2020:

 

                         

 

As of December 31, 2021

(Dollars are in thousands)

 

Average

Recorded

Investment

 

Interest

Income

Recognized

 

 

Recorded

Investment

  Unpaid Principal Balance 

 

Related

Allowance

With no related allowance recorded:                         
Real estate secured:                         
Commercial  $245   $—     $99   $140   $—   
Construction and land development   64    18    24    298    —   
Residential 1-4 family   1,720    24    1,508    1,791    —   
Multifamily   —      —      —      —      —   
Farmland   438    14    320    490    —   
Commercial   —      —      —      —      —   
Agriculture   —      —      —      —      —   
Consumer installment loans   3    —      2    2    —   
All other loans   —      —      —      —      —   
With an allowance recorded:                         
Real estate secured:                         
Commercial   871    3    315    372    94 
Construction and land development   —      —      —      —      —   
Residential 1-4 family   338    6    340    372    53 
Multifamily   —      —      —      —      —   
Farmland   121    4    197    209    17 
Commercial   109    1    28    35    2 
Agriculture   —      —      —      —      —   
Consumer installment loans   —      —      —      —      —   
All other loans   —      —      —      —      —   
Total  $3,909   $70   $2,833   $3,709   $166 

51

 

 

 

 

As of December 31, 2020

(Dollars are in thousands)

 

 

Average

Recorded

Investment

 

 

Interest

Income

Recognized

 

 

 

Recorded

Investment

 

 

Unpaid Principal Balance

 

 

 

Related

Allowance

With no related allowance recorded:                         
Real estate secured:                         
Commercial  $1,680   $16   $385   $386   $—   
Construction and land development   89    18    99    376    —   
Residential 1-4 family   1,788    53    1,662    1,898    —   
Multifamily   —      —      —      —      —   
Farmland   550    59    391    560    —   
Commercial   59    —      —      —      —   
Agriculture   —      —      —      —      —   
Consumer installment loans   4    —      5    6    —   
All other loans   —      —      —      —      —   
With an allowance recorded:                         
Real estate secured:                         
Commercial   707    —      1,566    1,678    574 
Construction and land development   —      —      —      —      —   
Residential 1-4 family   150    3    337    365    72 
Multifamily   —      —      —      —      —   
Farmland   212    9    208    220    2 
Commercial   214    12    429    437    404 
Agriculture   —      —      —      —      —   
Consumer installment loans   —      —      —      —      —   
All other loans   —      —      —      —      —   
Total  $5,453   $170   $5,082   $5,926   $1,052 

 

 

An age analysis of past due loans receivable is below. At December 31, 2021 and 2020, there were no loans over 90 days past due that were accruing.

                              

 

 

 

 

As of December 31, 2021

(Dollars are in thousands)

 

 

Loans

30-59

Days

Past

Due

 

 

Loans

60-89

Days

Past

Due

 

Loans

90 or

More

Days

Past

Due

 

 

 

Total

Past

Due

Loans

 

 

 

 

 

Current

Loans

 

 

 

 

 

Total

Loans

Real estate secured:                              
Commercial  $—     $—     $—     $—     $206,162   $206,162 

Construction and land

development

   7    —      7    14    32,311    32,325 
Residential 1-4 family   2,473    240    486    3,199    221,331    224,530 
Multifamily   —      —      111    111    32,937    33,048 
Farmland   —      —      —      —      18,735    18,735 
Total real estate loans   2,480    240    604    3,324    511,476    514,800 
Commercial   5    —      —      5    54,320    54,325 
Agriculture   —      —      —      —      4,021    4,021 

Consumer installment

Loans

   56    5    —      61    18,695    18,756 
All other loans   —      —      —      —      1,842    1,842 
Total loans  $2,541   $245   $604   $3,390   $590,354   $593,744 

 

 

52

 

 

 

 

 

 

As of December 31, 2020

(Dollars are in thousands)

 

 

Loans

30-59

Days

Past

Due

 

 

Loans

60-89

Days

Past

Due

 

Loans

90 or

More

Days

Past

Due

 

 

 

Total

Past

Due

Loans

 

 

 

 

 

Current

Loans

 

 

 

 

 

Total

Loans

Real estate secured:                              
Commercial  $969   $—     $—     $969   $178,412   $179,381 

Construction and land

development

   64    —      —      64    24,967    25,031 
Residential 1-4 family   5,717    615    690    7,022    215,958    222,980 
Multifamily   —      —      —      —      16,569    16,569 
Farmland   57    —      —      57    18,311    18,368 
Total real estate loans   6,807    615    690    8,112    454,217    462,329 
Commercial   214    —      —      214    85,796    86,010 
Agriculture   7    1    —      8    4,442    4,450 

Consumer installment

Loans

   214    22    —      236    20,396    20,632 
All other loans   —      —      —      —      2,145    2,145 
Total loans  $7,242   $638   $690   $8,570   $566,996   $575,566 

 

 

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

 

Pass - Loans in this category are considered to have a low likelihood of loss based on analysis of relevant information about the ability of the borrowers to service their debt and other factors.

 

Special Mention - Loans in this category are currently protected but are potentially weak, including adverse trends in borrower’s operations, credit quality or financial strength. Those loans constitute an undue and unwarranted credit risk but not to the point of justifying a substandard classification. The credit risk may be relatively minor yet constitute an unwarranted risk in light of the circumstances.  Special mention loans have potential weaknesses which may, if not checked or corrected, weaken the loan or inadequately protect the Company’s credit position at some future date.

 

Substandard - A substandard loan is inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans classified as substandard must 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 Doubtful have all the weaknesses inherent in loans classified Substandard, plus 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. There were no loans classified as doubtful at either December 31, 2021 or 2020.

 

 

53

 

 

 

Based on the most recent analysis performed, the risk category of loans receivable was as follows:

                         

 

As of December 31, 2021

(Dollars are in thousands)

 

 

 

Pass

 

 

Special

Mention

 

 

 

Substandard

 

 

 

Doubtful

 

 

 

Total

Real estate secured:                         
Commercial  $198,022   $7,725   $415   $—     $206,162 
Construction and land development   31,366    922    37    —      32,325 
Residential 1-4 family   221,342    915    2,273    —      224,530 
Multifamily   32,499    438    111    —      33,048 
Farmland   18,137    550    48    —      18,735 
Total real estate loans   501,366    10,550    2,884    —      514,800 
Commercial   53,162    1,154    9    —      54,325 
Agriculture   4,021    —      —      —      4,021 
Consumer installment loans   18,746    2    8    —      18,756 
All other loans   1,842    —      —      —      1,842 
Total  $579,137   $11,706   $2,901   $—     $593,744 

 

 

 

As of December 31, 2020

(Dollars are in thousands)

 

 

 

Pass

 

 

Special

Mention

 

 

 

Substandard

 

 

 

Doubtful

 

 

 

Total

Real estate secured:                         
Commercial  $171,212   $6,112   $2,057   $—     $179,381 
Construction and land development   23,168    1,806    57    —      25,031 
Residential 1-4 family   218,947    1,304    2,729    —      222,980 
Multifamily   16,337    232    —      —      16,569 
Farmland   17,019    1,249    100    —      18,368 
Total real estate loans   446,683    10,703    4,943    —      462,329 
Commercial   81,846    3,711    453    —      86,010 
Agriculture   4,255    195    —      —      4,450 
Consumer installment loans   20,615    5    12    —      20,632 
All other loans   2,145    —      —      —      2,145 
Total  $555,544   $14,614   $5,408   $—     $575,566 
                          

 

NOTE 7 ALLOWANCE FOR LOAN LOSSES

 

The following tables present activity in the allowance for loan losses for the years ended December 30, 2021 and 2020. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. Additionally, the allocation of the allowance by recorded portfolio segment and impairment method is presented as of December 30, 2021 and 2020.

 

54

 

 

 

                                       
     Real estate secured                     
 (Dollars are in thousands)     Commercial     Construction and Land Development     Residential 1-4 family     Multifamily     Farmland     Commercial     Agriculture     Consumer and All Other     Unallocated     Total 
 Year ended December 31, 2021                                       
 Beginning balance   $          2,281  $                233  $          1,951  $             151  $                97  $          2,275  $                40  $             163  $                 -     $          7,191
 Charge-offs              (915)                    -                  (48)                  -                     -                  (92)                  -                  (78)                  -            (1,133)
 Recoveries                    2                     6                 85                  -                    29              137                   1                 45                  -                 305
 Provision               766                 (50)              249              103                 23         (1,221)               (13)               (22)              537              372
 Ending balance   $          2,134  $                189  $          2,237  $             254  $             149  $          1,099  $                28  $             108  $             537  $          6,735
                                         
 Allowance for loan losses at December 31, 2021                                 
 Individually evluated for impairment   $                94  $                   -     $                53  $                 -     $                17  $                  2  $                 -     $                 -     $                 -     $             166
 Collectively evaluated for impairment            2,040                 189           2,184              254              132           1,097                 28              108              537           6,569
Total   $          2,134  $                189  $          2,237  $             254  $             149  $          1,099  $                28  $             108  $             537  $          6,735
                                         
 Loans at December 31, 2021                                         
 Individually evluated for impairment   $             414  $                  24  $          1,848  $                 -     $             517  $                28  $                 -     $                  2  $                 -     $          2,833
 Collectively evaluated for impairment       205,748           32,301      222,682         33,048         18,218         54,297           4,021         20,596                  -         590,911
Total   $     206,162  $          32,325  $     224,530  $        33,048  $        18,735  $        54,325  $          4,021  $        20,598  $                 -     $     593,744

 

                                         
     Real estate secured                     
 (Dollars are in thousands)     Commercial     Construction and Land Development     Residential 1-4 family     Multifamily     Farmland     Commercial     Agriculture     Consumer and All Other     Unallocated     Total 
 Year ended December 31, 2020                                       
 Beginning balance   $          1,248  $                158  $          1,736  $             104  $             109  $          1,789  $                27  $             195  $                  2  $          5,368
 Charge-offs                (65)                    -                (165)                  -                  (42)             (329)               (15)               (85)                  -                (701)
 Recoveries                  57                    -                    38                  -                    33                 40                   1                 55                  -                 224
 Provision            1,041                   75              342                 47                 (3)              775                 27                 (2)                 (2)           2,300
 Ending balance   $          2,281  $                233  $          1,951  $             151  $                97  $          2,275  $                40  $             163  $                 -     $          7,191
                                         
 Allowance for loan losses at December 31, 2020                                 
 Individually evluated for impairment   $             574  $                   -     $                72  $                 -     $                  2  $             404  $                 -     $                 -     $                 -     $          1,052
 Collectively evaluated for impairment            1,707                 233           1,879              151                 95           1,871                 40              163                  -              6,139
Total   $          2,281  $                233  $          1,951  $             151  $                97  $          2,275  $                40  $             163  $                 -     $          7,191
                                         
 Loans at December 31, 2020                                         
 Individually evluated for impairment   $          1,951  $                  99  $          1,999  $                 -     $             599  $             429  $                 -     $                  5  $                 -     $          5,082
 Collectively evaluated for impairment       177,430           24,932      220,981         16,569         17,769         85,581           4,450         22,772                  -         570,484
Total   $     179,381  $          25,031  $     222,980  $        16,569  $        18,368  $        86,010  $          4,450  $        22,777  $                 -     $     575,566


 

In determining the amount of our allowance, we rely on an analysis of our loan portfolio, our experience and our evaluation of general economic conditions. If our assumptions prove to be incorrect, our current allowance may not be sufficient to cover future loan losses and we may experience significant increases to our provision. Due to the underlying SBA guarantee provided for PPP loans, these accounts were not included in either the portfolio segment or impairment calculations at December 31, 2021 and 2020. Additionally, due to uncertainties presented by the ongoing pandemic and the resulting economic uncertainty, internal and external qualitative factors were revised accordingly. For 2021, external qualitative factors were adjusted to consider the impact of inflation.

 

 

NOTE 8 TROUBLED DEBT RESTRUCTURINGS

 

At December 31, 2021, loans classified as troubled debt restructurings totaled $2.5 million compared to $4.0 million at December 31, 2020. The following table presents information related to loans modified as troubled debt restructurings during the years ended December 31, 2021 and 2020.

55

 

 

                              
   December 31, 2021  December 31, 2020
(Dollars are in thousands) 

 

# of

Loans

 

Pre-Mod.

Recorded Investment

 

Post-Mod.

Recorded

Investment

 

 

# of

Loans

 

Pre-Mod.

Recorded Investment

 

Post-Mod.

Recorded

Investment

Real estate secured:                              
   Commercial   —   $—   $—    3   $190   $190 

Construction and land

Development

   —    —    —    —    —    — 
   Residential 1-4 family   1    35    35    27    1,236    1,236 
   Multifamily   —    —    —    —    —    — 
   Farmland   —    —    —    —    —    — 
Total real estate loans   —    —    —    30    1,426    1,426 
Commercial   —    —    —    —    —    — 
Agriculture   —    —    —    —    —    — 
Consumer installment loans   —    —    —    2    7    7 
All other loans   —    —    —    —    —    — 
Total   1   $35   $35    32   $1,433   $1,433 

 

During the year ended December 31, 2021, one loan was modified for which the modification was considered to be a troubled dept restructuring.

 

At December 31, 2021, two loans totaling $56.0 thousand are considered to be in default. Generally, a TDR is considered to be in default once it becomes 90 days or more past due following a modification.

 

As discussed in Note 6, during the year ended December 31, 2020 modifications were granted on 786 loans with a gross aggregate balance of $119.6 million, under the provisions of the CARES Act. The characteristics of these modifications are considered short-term and did not result in a reclassification of the loans as troubled debt restructurings, as the accounts met the requirements stated in the CARES Act and had not been subject to prior modification.

 

During the year ended December 31, 2020, the Company modified the terms of 32 loans for which the modification was considered to be a troubled debt restructuring. The interest rate was not modified on these loans; however, the payment terms or maturity date were changed.

 

When determining the level of the allowance for loan losses, management considers troubled debt restructurings and subsequent defaults in these restructurings in its estimate. The Company evaluates all troubled debt restructurings for possible further impairment. As a result, the allowance may be increased, adjustments may be made in the allocation of the allowance, or charge-offs may be taken to further write down the carrying value of these loans.

 

 

NOTE 9 BANK PREMISES AND EQUIPMENT

Depreciation expense for 2021 and 2020 was $2.1 million and $2.2 million, respectively. Bank premises and equipment at December 31, 2021 and 2020 are summarized as follows:

 

          
(Dollars are in thousands)  2021  2020
Land  $7,424   $7,796 
Buildings and improvements   16,252    16,227 
Furniture and equipment   14,139    16,253 
Construction in progress   —      1,025 
    37,815    43,008 
Less accumulated depreciation   (17,080)   (18,726)
Bank Premises and Equipment  $20,735   $22,174 

 

 

56

 

During the year ended December 31, 2021, the Bank sold four former branch locations, with net book values of approximately $1.1 million, resulting in approximately $173 thousand of net gains on sales.

 

Also, during 2021, the Bank transferred three other former branch locations, with net book values totaling approximately $2.0 million, to other real estate owned, resulting in an increase to OREO of $950 thousand, and disposal and valuation costs of approximately $1.1 million. Subsequently, in December 2021, these OREO properties were written down to $912 thousand. Equipment with a combined net book value of $188 thousand were written off in 2021.

 

One new branch office, in Bristol, Virginia, was opened in 2021, resulting in an increase of $2.7 million in premises and equipment. During 2020, the Bank opened a new branch office in Kingsport, Tennessee, and a loan production office in Boone, North Carolina.

 

As presented in Note 17 Leasing Activities, during 2021, the Bank repurchased the branch office located in Lebanon, Virginia, which had previously been sold and leased back.

 

 

NOTE 10 INCOME TAXES

 

The Company files a consolidated federal income tax return. The following summarizes the provision for income taxes and the related deferred tax components for the years ended December 31, 2021 and 2020.

 

The source of pre-tax book income is summarized as follows for the years ended December 31, 2021 and 2020:

 

          
(Dollars are in thousands)  2021  2020

 

Pre-tax book income

          
      Domestic  $8,952   $3,993 
Total pre-tax book income  $8,952   $3,993 

 

Income tax expense is summarized as follows for the years ended December 31, 2021 and 2020:

 

          
(Dollars are in thousands)  2021  2020

 

Current income tax expense (benefit)

          
     Federal  $(172)  $(200)
     State   —      —   
Total current income tax expense (benefit)   (172)   (200)

 

Deferred income tax expense      
     Federal   2,067    1,304 
     State   47    (1)
Total deferred income tax expense   2,114    1,303 
Income tax expense  $1,942   $1,103 

 

 

The following table summarizes the differences between the actual income tax expense and the amounts computed using the federal statutory tax rate of 21% for years ended December 31, 2021 and 2020, respectively:

 

          
(Dollars are in thousands)  2021  2020
Income tax expense (benefit) at the applicable federal rate  $1,879   $839 
Permanent differences resulting from:          
     Nondeductible expenses   7    8 
     Tax exempt interest income   (4)   (7)
     Bank owned life insurance   (7)   (16)
Other adjustments   67    279 
Income tax expense  $1,942   $1,103 

 

 

57

 

The net deferred tax assets and liabilities resulting from temporary differences as of December 31, 2021 and 2020, are summarized as follows:

 

          
(Dollars are in thousands)  2021  2020
Deferred Tax Assets          
     Allowance for loan losses  $1,500   $1,568 
     Deferred compensation   85    92 
     Nonaccrual loan interest   532    490 
     Unrealized loss on securities available for sale   216    —   
     Other real estate owned   305    83 
     Amortization of core deposits   6    18 
     Amortization of goodwill   31    90 
     Capitalized interest and repair expense   23    23 
     Net operating loss carryforward   460    2,172 
     Other   98    33 
Total Assets, gross   3,256    4,569 
Valuation allowance   —      —   
Total Assets, net   3,256    4,569 
Deferred Tax Liabilities          
     Accelerated depreciation   1,105    869 
     Unrealized gain on securities available for sale   —      197 
     Prepaid expenses   27    22 
     Deferred loan costs   451    355 
Total Liabilities, gross   1,583    1,443 
Net Deferred Tax Asset  $1,673   $3,126 

 

 

In accordance with applicable accounting guidance, the Company determined that it was not required to establish a valuation allowance for deferred tax assets as it is more likely than not that the deferred tax asset will be realized through future taxable income, future reversals of existing taxable temporary differences and tax strategies. The Company’s net deferred tax asset is recorded in the consolidated financial statements separately.

 

At December 31, 2021 and 2020, the Company had no unrecognized tax benefits. The Company does not expect the total amount of unrecognized tax benefits to increase significantly over the next twelve months. The company recognizes interest and penalties as a component of income tax expense.

 

The Company and Bank are subject to U. S. federal income tax, a capital-based franchise tax in the Commonwealth of Virginia; and income and excise taxes in West Virginia, Tennessee and North Carolina, respectively, based on earnings realized from business activities within each state. Years prior to 2018 are no longer subject to examination by taxing authorities.

 

 

NOTE 11 TIME DEPOSITS

 

The aggregate amount of time deposits that meet or exceed the Federal Deposit Insurance Corporation (FDIC) Insurance limit of $250,000 was $28.6 million and $34.8 million at December 31, 2021 and 2020, respectively. We had no brokered time deposits at either December 31, 2021 or 2020. At December 31, 2021, the scheduled maturities of time deposits are as follows (dollars are in thousands):

 

   
2022 $ 116,638
2023   39,197
2024   11,925
2025   18,095
2026   10,417
After five years   -
Total $ 196,272

 

58

 

NOTE 12 RELATED PARTY TRANSACTIONS

 

Officers, directors (and companies controlled by them), principal shareholders, and associates were customers of and had loan transactions with the Bank in the normal course of business. The following table summarizes these transactions, which were made on substantially the same terms as those prevailing for other customers and did not involve any abnormal risk.

 

          
  For the year ended December 31,
(Dollars in thousands)  2021  2020
Beginning balance  $4,187   $2,457 
New loans and advances on lines   2,620    4,567 
Payments and other reductions   (3,388)   (2,837)
Ending balance  $3,419   $4,187 

 

Total related party deposits held at the Bank were $24.8 million and $21.5 million as of December 31, 2021 and 2020, respectively.

 

NPB Insurance Services, Inc. holds a 39% membership interest in Lonesome Pine Title Agency, LLC, which provides title insurance. Another member of the agency is a related party to the Company.

 

In August, 2021, the Bank sold a parcel of land, adjacent to the Grundy, Virginia office to a director for $150 thousand, which approximated the fair value of the property. A gain of $17 thousand was recorded from this transaction.

 

NOTE 13 RETIREMENT PLANS

The Company has established a qualified defined contribution plan that covers all full-time employees. The Company matches employee contributions up to a maximum of 3% of their salary. The Company contributed $246 thousand and $258 thousand to the defined contribution plan for 2021 and 2020, respectively.

 

The Bank maintains a salary continuation plan for key executives which was established in 2002 and is funded by single premium life insurance policies. Expenses related to the plan were $29 thousand and $17 thousand for the years ended December 31, 2021 and 2020, respectively.

 

 

NOTE 14 OTHER REAL ESTATE OWNED

 

The following table summarizes the activity in other real estate owned for the years ended December 31, 2021 and 2020:

 

          
   2021  2020
(Dollars are in thousands)          
Balance, beginning of year  $3,334   $3,393 
Additions   566    1,128 
Transfers from premises and equipment   950    —   
Proceeds from sales   (2,645)   (687)
Proceeds from insurance claims   (54)   —   
Loans made to finance sales   (400)   (428)
Adjustment of carrying value   (466)   (132)
Gains (losses) from sales   76    60 
Balance, end of year  $1,361   $3,334 

 

 

59

 

NOTE 15 BANK OWNED LIFE INSURANCE

 

At December 31, 2021 and 2020, the Bank had an aggregate total cash surrender value of $4.7 million and $4.7 million, respectively, on life insurance policies covering former key officers.

 

Total income for the policies during 2021 and 2020 was $32 thousand and $77 thousand, respectively.

 

 

NOTE 16 DIVIDEND LIMITATIONS ON SUBSIDIARY BANK

 

A principal source of funds for the Company is dividends paid by the Bank. The Federal Reserve Act restricts the amount of dividends the Bank may pay. Approval by the Board of Governors of the Federal Reserve System is required if the dividends declared by a state member bank, in any year, exceed the sum of (1) net income of the current year and (2) income net of dividends for the preceding two years.

 

Virginia law restricts the amount of dividends a Virginia corporation may pay. Generally, a Virginia corporation may not authorize and make distributions if, after giving effect to the distribution, it would be unable to meet its debts as they become due in the usual course of business or if the corporation’s total assets would be less than the sum of its total liabilities plus the amount that would be needed, if it were dissolved at that time, to satisfy the preferential rights of shareholders whose rights are superior to the rights of those receiving the distribution. In addition, the payment of distributions to shareholders is subject to any prior rights of outstanding preferred stock.

 

NOTE 17 LEASING ACTIVITIES

 

During 2021, the Bank repurchased its branch office located in Lebanon, Virginia, for $1.3 million. This branch had previously been sold and leased back in September 2019. As a result of the repurchase, the lease with a remaining term of 12.9 years was cancelled.

 

At December 31, 2021, the Bank leases four branch offices and sublets a lot adjacent to another branch office. The lease agreements have maturity dates ranging from May 2032 to December 2041. It is assumed that there are currently no circumstances in which the leases would be terminated prior to expiration. The weighted average remaining life of the lease terms at December 31, 2021, was 10.61 years.

 

The discount rate used in determining the lease liability for each individual lease was the FHLB fixed advance rate which corresponded to the lease term for each transaction. This methodology is expected to be used for any other subsequent lease agreements. The weighted average discount rate for the leases at December 31, 2021 was 3.24%.

 

The Company’s operating lease costs for the years ended December 31, 2021 and 2020, as a result of the transactions discussed above, was $528 thousand and $552 thousand, respectively.

 

The Company’s other operating leases were evaluated and determined to be immaterial to the financial statements. At December 31, 2021, future minimum rental commitments under the non-cancellable operating leases discussed above are as follows (dollars are in thousands):

 

   
2022 $ 441
2023   455
2024   455
2025   455
2026   455
Thereafter   2,698
Total lease payments   4,959
Less imputed interest   897
     
Total $ 4,062

 

60

 

NOTE 18 BORROWED FUNDS

 

The following table presents the breakdown of borrowed funds as of December 31, 2021 and 2020 (dollars in thousands):

                           
     

FHLB Revolving Advances

(a)

  

Federal Funds Lines

(b)

  

FHLB Term Loans Short-Term

(c)

  

FHLB Term Loans Long-Term

(d)

  

NPB Capital Trust I

(e)

  

NPB Capital Trust 2

(e)

    Total
Balance December 31, 2021 $  -    $ - $ - $ - $ 11,341 $ 5,155 $ 16,496
  Highest balance at any month-end   -   1,020   5,000   -   11,341   5,155    
  Average weighted balance    -   8   2,466   -   11,341   5,155   18,970
  Average interest rate:                            
  Paid during the year   - %   2.51%   1.36%   - %   2.81%   1.97%   2.39%
  At year-end   -%   -%   -%   - %   2.72%   1.89%   2.46%
                               
                               
Balance December 31, 2020 $  -    $ - $ 5,000 $ - $ 11,341 $ 5,155 $ 21,496
  Highest balance at any month-end   -    -   5,000   5,000   11,341   5,155    
  Average weighted balance    -   -   2,555   2,445   11,341   5,155   21,496
  Average interest rate:                            
  Paid during the year   - %   -%   1.36%   1.36%   3.55%   2.70%   2.84%
  At year-end   -%   -%   1.34%   - %   2.84%   2.01%   2.29%

 

(a) - The Bank has the ability to borrow up to an additional $111.6 million from the FHLB under a line of credit which is secured by a blanket lien on residential real estate loans. With additional collateral, the Bank’s total credit availability would be $187.9 million. The Bank had no overnight borrowings subject to daily rate changes from the FHLB at December 31, 2021 or 2020.

 

We have used our line of credit with FHLB to issue letters of credit totaling $12.0 million to the Treasury Board of Virginia for collateral on public funds deposited in the Bank. No draws on the letters of credit have been issued. The letters of credit are considered draws on our FHLB line of credit.

 

(b) - Federal funds lines consist of $30.0 million and $20.0 million in unsecured federal funds line of credit facilities with correspondent banks as of December 31, 2021 and 2020, respectively exclusive of any outstanding balance.

(c) - At December 31, 2020, short term FHLB advances consisted of one $5.0 million advance with a fixed rate of 1.34% which matured and was paid off on June 30, 2021.

 

(d) - At December 31, 2021 and 2020, there were no long term FHLB advances.

 

(e) - TPS I - On July 7, 2004, the Company completed the issuance of $11.3 million in floating rate trust preferred securities offered by its wholly owned subsidiary, NPB Capital Trust I (TPS I). The rate is determined quarterly and floats based on the 3-month LIBOR plus 260 basis points.  

 

TPS 2 - On September 27, 2006, the Company completed the issuance of $5.2 million in floating rate trust preferred securities offered by its wholly owned subsidiary, NPB Capital Trust 2 (TPS 2). The rate is determined quarterly and floats based on the 3-month LIBOR plus 177 basis points.  

 

Under the terms of the subordinated debt transactions, the securities have 30-year maturities and are redeemable, in whole or in part, without penalty, at the option of the Company after five years from the issuance date, and on a quarterly basis thereafter.

 

61

 

Following are maturities of borrowed funds at December 31, 2021 (dollars in thousands):

 

   
2022 $   -
2023  -
2024  -
2025  -
2026  -
 2027 and thereafter    16,496
     $16,496

 

 

NOTE 19 FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK

 

In the normal course of business, the Bank has outstanding commitments and contingent liabilities, such as commitments to extend credit and standby letters of credit, which are not included in the accompanying consolidated financial statements. The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual or notional amount of those instruments. The Bank uses the same credit policies in making such commitments as it does for instruments that are included in the balance sheet.

 

Financial instruments whose contract amount represents credit risk at December 31, 2021 and 2020 were as follows:

 

          
   2021  2020
(Dollars in thousands)          
Commitments to extend credit  $69,015   $57,334 
Standby letters of credit   3,684    2,031 

 

Commitments to extend credit are agreements to lend to a customer at either a fixed or variable interest rate as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation. Collateral held varies but may include accounts receivable, inventory, property and equipment, and income-producing commercial properties.

 

Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Standby letters of credit generally have fixed expiration dates or other termination clauses and may require payment of a fee. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Bank’s policy for obtaining collateral, and the nature of such collateral, is essentially the same as that involved in making commitments to extend credit.

 

NOTE 20 LEGAL CONTINGENCIES

 

In the course of operations, we may become a party to legal proceedings in the normal course of business. At December 31, 2021, we do not anticipate that the aggregate ultimate liability arising out of litigation pending or threatened against the Company or any of its subsidiaries to which the property of the Company or any of its subsidiaries is subject, in the opinion of management, may materially impact the financial condition or liquidity of the Company.

 

The Bank is a defendant in a complaint filed by a former employee in the United States District Court for the Western District of Virginia on January 1, 2021. The complaint alleges wrongful termination based on gender, religion and age. The Bank denies the allegations and intends to vigorously defend against these claims. The complaint does not specify the dollar amount of damage sought. The Bank has responded with a vigorous defense as to all claims and assertions. The amount of any possible loss cannot be estimated at this time.

 

62

 

NOTE 21 CAPITAL

 

Capital Requirements and Ratios

 

The Company meets eligibility criteria of a small bank holding company in accordance with the Board of Governors of the Federal Reserve System’s Small Bank Holding Company Policy Statement issued in February 2015, and is no longer obligated to report consolidated regulatory capital.

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

Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital to risk-weighted assets, Tier 1 capital to average assets, and Common Equity Tier 1 capital to risk-weighted assets. As of December 31, 2021, the Bank meets all capital adequacy requirements to which it is subject.

The Bank’s actual capital amounts and ratios are presented in the following table as of December 31, 2021 and 2020, respectively.

               
    Actual Minimum Capital Requirement Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions
(Dollars are in thousands) Amount Ratio Amount Ratio   Amount Ratio
December 31, 2021:
Total Capital to Risk Weighted Assets $ 85,890 16.23% $ 42,332  8.0% $ 52,915 10.0%
Tier 1 Capital to Risk Weighted Assets   79,274 14.98% 31,749  6.0%   42,332 8.0%
Tier 1 Capital to Average Assets   79,274 9.86% 32,145 4.0%   40,181 5.0%
Common Equity Tier 1 Capital
      to Risk Weighted Assets   79,274 14.98% 23,812 4.5%   34,395 6.5%

 

December 31, 2020:

Total Capital to Risk Weighted Assets $ 77,133 16.41% $ 37,603  8.0% $ 47,028 10.0%
Tier 1 Capital to Risk Weighted Assets   71,241 15.16% 28,202  6.0%   37,603 8.0%
Tier 1 Capital to Average Assets   71,241 9.49% 29,989 4.0%   37,545 5.0%
Common Equity Tier 1 Capital
      to Risk Weighted Assets   71,241 15.16% 30,036 4.5%   30,552 6.5%

 

Accordingly, as of December 31, 2021 and 2020, the Bank was well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since such dates that management believes have changed the Bank’s category.

 

The Bank is also subject to the rules implementing the Basel III capital framework and certain related provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. The final rules require the Bank to comply with the following minimum capital ratios: (i) a Common Equity Tier 1 capital to risk-weighted assets ratio of at least 4.5%, plus a 2.5% “capital conservation buffer” (effectively resulting in a minimum Common Equity Tier 1 capital to risk-weighted assets ratio of 7%), (ii) a ratio of Tier 1 capital to risk-weighted assets of at least 6.0%, plus the 2.5% capital conservation buffer (effectively resulting in a minimum Tier 1 capital ratio of 8.5%), (iii) a ratio of total capital to risk-weighted assets of at least, 8.0%, plus the 2.5% capital conservation buffer (effectively resulting in a minimum total capital ratio of 10.5%), and (iv) a leverage ratio of 4%, calculated as the ratio of Tier 1 capital to average assets. The Bank’s capital conservation buffer was 8.23% at December 31, 2021. The capital conservation buffer is designed to absorb losses during periods of economic stress. Banking institutions with a Common Equity Tier 1 capital to risk-weighted assets ratio above the minimum but below the conservation buffer face constraints on dividends, equity repurchases, and compensation based on the amount of the shortfall. As of both December 31, 2021 and 2020, the Common Equity Tier 1 Capital to Risk-weighted Assets ratio, the Tier 1 Capital to Risk-weighted Assets ratio, the Total Capital to Risk-weighted Assets ratio, and the Tier 1 Capital to Average Assets ratio of the Bank, all exceeded the minimum requirements.

63

 

 

 

NOTE 22 FAIR VALUES

 

The Company established a hierarchal disclosure framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined by this hierarchy are:

 

Level 1: Quoted prices are available in active markets for identical assets or liabilities as of the reported date.

 

Level 2: Pricing inputs are other than quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities include items for which quoted prices are available but traded less frequently, and items that are valued using other financial instruments, the parameters of which can be directly observed.

 

Level 3: Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require 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 are as follows:

 

 

Investment Securities Available for Sale - Investment securities available for sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices. The Company’s available for sale securities, totaling $107.4 million and $48.4 million at December 31, 2021 and 2020, respectively, are the only assets whose fair values are measured on a recurring basis using Level 2 inputs from an independent pricing service.

 

Loans - The Company does not record loans at fair value on a recurring basis. Real estate serves as collateral on a substantial majority of the Company’s loans. When a loan is considered impaired, a specific reserve may be established. Loans, which are deemed to be impaired and require a reserve, are primarily valued on a non-recurring basis at the fair value of the underlying real estate collateral. Where there is no observable market price, such fair values are obtained using independent appraisals, which management evaluates to determine whether or not the fair value of the collateral is further impaired below the appraised value and adjusts for estimated costs of disposition. The Company records impaired loans as nonrecurring Level 3 assets. The aggregate amount of impaired loans carried at fair value was $2.8 million and $4.0 million at December 31, 2021 and 2020, respectively.

 

Other Real Estate Owned –Other real estate owned is adjusted to fair value upon transfer of the loans, or former bank premises, to other real estate owned.  These assets are carried at the lower of their carrying value or fair value.  Fair value is based upon observable market prices, when available, reduced by estimated disposition costs, which the Company considers to be nonrecurring Level 2 inputs. When observable market prices are not available, management determines the fair value of the foreclosed asset using independent third-party appraisals, evaluated to determine whether or not the property is further impaired below the appraised value, and adjusts for estimated costs of disposition. The Company records foreclosed assets as nonrecurring Level 3. The aggregate carrying amounts of foreclosed assets were $1.4 million and $3.3 million at December 31, 2021 and 2020, respectively.

 

Assets and liabilities measured at fair value are as follows as of December 31, 2021 (for purpose of this table the impaired loans are shown net of the related allowance):

 

64

 

 
             

 

 

 

 

(Dollars are in thousands)

  

 

Quoted market price in active markets

(Level 1)

  

 

 

Significant other observable inputs

(Level 2)

  

 

Significant unobservable inputs

(Level 3)

(On a recurring basis)

Available for sale investments

            
    U.S. Treasuries $ - $ 7,671 $  
    U.S. Government Agencies   -   9,089   -
    Taxable municipals   -   22,980   -
    Corporate bonds   -   2,019   -
    Mortgage backed securities   -   65,599   -
             

(On a non-recurring basis)

Other real estate owned

   -   -   1,361
Impaired loans:            
  Real estate secured:            
      Commercial   -   -   414
      Construction and land development   -   -   24
      Residential 1-4 family   -   -   1,848
      Multifamily   -   -   -
      Farmland   -   -   517
  Commercial   -   -   28
  Agriculture   -   -   -
  Consumer installment loans   -   -   2
  All other loans   -   -   -
Total $ - $ 107,358 $ 4,194

 

Assets and liabilities measured at fair value are as follows as of December 31, 2020 (for purpose of this table the impaired loans are shown net of the related allowance):

 

             

 

 

 

 

(Dollars are in thousands)

  

 

Quoted market price in active markets

(Level 1)

  

 

 

Significant other observable inputs

(Level 2)

  

 

Significant unobservable inputs

(Level 3)

(On a recurring basis)

Available for sale investments

            
    U.S. Government Agencies $ - $ 14,107 $ -
    Taxable municipals   -   5,345   -
    Corporate bonds   -   6,048   -
    Mortgage backed securities   -   22,906   -
             

(On a non-recurring basis)

Other real estate owned

   -   -   3,334
Impaired loans:            
  Real estate secured:            
      Commercial   -   -   1,377
      Construction and land development   -   -   99
      Residential 1-4 family   -   -   1,927
      Multifamily   -   -   -
      Farmland   -   -   597
  Commercial   -   -   25
  Agriculture   -   -   -
  Consumer installment loans   -   -   5
  All other loans   -   -   -
Total $ - $ 48,406 $ 7,364

 

65

 

 

For Level 3 assets measured at fair value on a recurring or non-recurring basis as of December 31, 2021 and 2020, the significant unobservable inputs used in the fair value measurements were as follows:

                     

 

 

 

 

(Dollars in thousands)

  

 

 

 

Fair Value at December 31,

2021

  

 

 

 

Fair Value at

December 31,

2020

  

 

 

 

 

Valuation Technique

  

 

 

 

 

Significant Unobservable Inputs

  

 

 

General Range of Significant Unobservable Input Values

                     
Impaired Loans $ 2,667 $ 4,030   Appraised Value/Discounted Cash Flows/Market Value of Note   Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell   0 – 18%
                     
Other Real Estate Owned $ 1,361 $ 3,334   Appraised Value/Comparable Sales/Other Estimates from Independent Sources   Discounts to reflect current market conditions and estimated costs to sell   0 – 18%

 

 

 

 

 

 

Fair Value of Financial Instruments 

The carrying amount and fair value of the Company’s financial instruments that are not required to be measured or reported at fair value on a recurring basis are as follows:

 

                     
            Fair Value Measurements

 

 

 

 

 

(Dollars are in thousands)

  

 

 

 

 

Carrying

Amount

  

 

 

 

 

Fair

Value

  

Quoted market price in active markets

(Level 1)

  

 

Significant other observable inputs

(Level 2)

  

 

 

Significant unobservable inputs

(Level 3)

                     
December 31, 2021                    
Financial Instruments – Assets                    
   Net Loans $ 587,009 $ 580,024 $ - $ 577,357 $ 2,667
                     
Financial Instruments – Liabilities                    
   Time Deposits   196,285   198,353   -   198,353   -
   Borrowed Funds   16,496   15,649   -   15,649   -
                     
December 31, 2020                    
Financial Instruments – Assets                    
   Net Loans $ 568,375 $ 564,664 $ - $ 560,634 $ 4,030
                     
Financial Instruments – Liabilities                    
   Time Deposits   234,449   237,768   -   237,768   -
   Borrowed Funds   21,496   16,788   -   16,788   -

 

Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument.  These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument.  Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions can significantly affect the estimates.

 

Estimated fair values have been determined by the Company using historical data, as generally provided in the Company’s regulatory reports, and an estimation methodology suitable for each category of financial instruments. The Company’s fair value estimates, methods and assumptions are set forth below for the Company’s other financial instruments.

 

The carrying value of cash and due from banks, federal funds sold, interest-bearing deposits, deposits with no stated maturities and accrued interest approximates fair value and is excluded from the table above.

66

 

 

The methods utilized to measure the fair value of financial instruments represent an approximation of exit price; however, an actual exit price may differ.

 

 

NOTE 23 REVENUE FROM CONTRACTS WITH CUSTOMERS

 

All of our revenue from contracts with customers as defined in ASC 606 is recognized within Noninterest Income. The following table presents Noninterest Income by revenue stream for the years ended December 31, 2021 and 2020.

 

          
(Dollars are in thousands)  2021  2020
Service charges and fees  $3,724   $3,217 
Card processing and interchange income   3,871    3,314 
Insurance and investment fees   1,029    716 
Gains on sales of available-for-sale securities (1)   322    4 
Other noninterest income   1,034    896 
Total Noninterest Income  $9,980   $8,147 

 

(1) – Not within the scope of ASU 2014-9

 

Certain revenues are earned from contracts with customers. These revenues are recognized when the promised services are rendered to the customer and reflects the entitled consideration received in exchange for those services.

 

Service charges and fees – revenue is recognized on deposit services based on published fees for the services provided. These fees may be collected on a transaction basis, at the time the service is rendered or periodically based on the period over which the service is provided. Transaction based fees include services such as stop payment requests, paper statement rendering and ITM usage fees. Periodic fees include such charges as monthly account maintenance fees. Overdraft fees are realized at the time the overdraft occurs.

 

Card processing and interchange fees – Card related interchange revenue is primarily comprised of debit and credit card income. Debit and credit card income is earned when customers’ debit or credit cards are processed through a card payment network. Card related interchange income is recognized at the time the customer transactions settle.

 

Insurance and investment fees - Insurance and investment fee income consists of commissions received on annuity and investment product sales through a third-party service provider. Performance is generally satisfied at the time an annuity policy is issued, or at the execution of an investment transaction.

 

NOTE 24 NONINTEREST EXPENSES

 

Other operating expenses, included as part of noninterest expenses, consisted of the following for the years ended December 31, 2021 and 2020:

 

          
(Dollars are in thousands)  2021  2020
 Advertising, sponsorships and donations  $252   $216 
 ATM network expense   1,473    1,476 
 Legal and professional fees   922    839 
 Consulting fees   269    504 
 Loan related expenses   599    353 
 Printing and supplies   133    141 
 FDIC insurance premiums   266    393 
 Other real estate owned expenses, net   506    307 
 Other operating expenses   2,556    2,507 
 Total  $6,976   $6,736 

 

67

 

NOTE 25 SUBSEQUENT EVENTS

 

Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist at the date of the balance sheet but arose after that date. Management has reviewed events occurring through the date the financial statements were available to be issued and has identified the following as a non-recognized subsequent event.

 

On February 28, 2022, the board of directors declared a dividend of $0.05 per share payable on March 31, 2022 to shareholders of record as of March 15, 2022.

 

At this time, we cannot state how the continuing economic uncertainty related to the pandemic and current geopolitical conditions will affect the financial position, operations or liquidity of the Company.

 

NOTE 26 RECENT ACCOUNTING DEVELOPMENTS

 

The following is a summary of recent authoritative announcements:

 

In June 2016, per ASU No. 2016-13, ‘Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments,’ the Financial Accounting Standards Board (the FASB) issued guidance to change the accounting for credit losses and modify the impairment model for certain debt securities. Subsequently, per ASU No. 2019-10, implementation for the Company is delayed until reporting periods beginning after December 15, 2022. Early adoption is permitted for all organizations for periods beginning after December 15, 2018. The Company is currently evaluating the effect that implementation of the new standard will have on its financial position, results of operations, and cash flows.

 

In May 2019, the FASB issued targeted transition relief for entities which irrevocably elect the fair value option for certain financial assets previously measured at amortized cost basis. For those entities, the amendments to the transition guidance for ASU 2016-13 will increase comparability of financial statement information by providing an option to align measurement methodologies for similar financial assets. Subsequently, per ASU No. 2019-10, implementation for the Company is delayed until reporting periods beginning after December 15, 2021. The Company is currently in the process of evaluating the impact of adoption of this guidance on its financial statements.

 

In November 2019, the FASB released ASU 2019-10, ‘Financial Instruments – Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842),’ in which the FASB shared a new philosophy to extend and simplify how effective dates for certain major Updates would be staggered between larger public companies (bucket one) and all other entities (bucket two). A major Update would first be effective for bucket-one entities. For bucket-two entities, including the Company, it is anticipated that the FASB will consider requiring an effective date staggered at least two years after bucket one for major Updates. Generally, it is expected that early application would continue to be allowed for all entities. The Company is considered a bucket-two entity due to its eligibility to be a smaller reporting company, per the Securities and Exchange Commission (the SEC). This Update applies to ASU 2016-13, as discussed above, ASU 2017-12, which does not apply to the Company, and ASU 2016-02, which the Company has already early-adopted.

 

In December 2019, the FASB released ASU 2019-12, ‘Income Taxes (Topic 740),’ which simplify the accounting for income taxes by removing certain exceptions to the general principles in Topic 740, improve consistent application, and simplify GAAP for other areas of Topic 740. The amendments in this Update are effective for the Company for fiscal years beginning after December 15, 2021, and interim periods within fiscal years beginning after December 15, 2022. The Company does not expect these amendments to have a material effect on its financial statements.

 

In January 2020, the FASB released ASU 2020-01, ‘Investments – Equity Securities (Topic 321), Investments – Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815),’ which clarify certain interactions between the guidance to account for certain equity securities under Topic 321, 323 and 815, and improve current GAAP by reducing diversity in practice and increasing comparability of accounting. The amendments in this Update are effective for the Company for fiscal years beginning after December 31, 2021, and interim periods within those fiscal years. Early adoption is permitted. The Company does not expect these amendments to have a material effect on its financial statements.

68

 

 

In March 2020, the FASB released ASU 2020-03, ‘Codification Improvements to Financial Instruments,’ as part of its ongoing project for improving the Codification or correcting its unintended application. This Update is being issued to increase stakeholder awareness of these amendments. These amendments affect Fair Value Option Disclosures, Applicability of Portfolio Exception in Topic 820 to Nonfinancial Items, Disclosures for Depository and Lending Institutions, Cross-Reference to Line-of-Credit or Revolving-Debt Arrangements Guidance in Subtopic 470-50, Cross-Reference to Net Asset Value Practical Expedient in Subtopic 820-10, Interaction of Topic 842 and Topic 326, and Interaction of Topic 326 and Subtopic 860-20. The amendments in this update are effective immediately. The implementation of these amendments did not have a material effect on its financial statements.

 

In March 2020, the FASB released ASU 2020-04, ‘Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting,’ which provides optional guidance for a limited period of time to ease the potential burden in accounting for (or recognizing the effects of) reference rate reform. The amendments in this Update are elective and apply to all entities, subject to meeting certain criteria, that have contracts, hedging relationships, and other transactions that reference the London Interbank Offering Rate (LIBOR) or another reference rate expected to be discontinued because of reference rate reform. The amendments in the Update are effective for the Company as of March 12, 2020 through December 31, 2022. The Company is working through implementation of this guidance, but does not expect this amendment to have a material impact on its financial statements.

 

In August 2020, the FASB released ASU 2020-06, ‘Accounting for Convertible Instruments and Contracts in an Entity’s Own Equity,’ which reduces the number of accounting models for convertible debt instruments and convertible preferred stock. The Board concluded that eliminating certain accounting models simplifies the accounting for convertible instruments, reduces complexity for preparers and practitioners, and improves the decision usefulness and relevance of the information provided to financial statement users. The amendments in this Update are effective for the Company for fiscal years beginning after December 15, 2021, including interim periods within those fiscal years. The implementation of these amendments did not have a material effect on its financial statements.

 

In January 2021, the FASB released ASU 2021-01, ‘Reference Rate Reform (Topic 848),’ which clarifies that certain optional expedients and exceptions in topic 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition related to reference rate reform. The amendments in this Update are effective immediately for all entities. An entity may elect to apply the amendments in the Update on a full retrospective basis as of any date from the beginning of an interim period that includes or is subsequent to March 12, 2020, or on a prospective basis to new modifications from any date within an interim period that includes or is subsequent to the date of the issuance of a final Update, up to the date that financial statements are available to be issued. The Company does not expect this amendment to have a material effect on its financial statements.

 

In July 2021, the FASB released ASU 2021-05, ‘Lessors – Certain Leases with Variable Lease Payments (Topic 842),’ which amends the lease classification requirements for lessors to align them with practice under Topic 840. The amendments in this Update amend Topic 842 and are effective for the Company for fiscal years beginning after December 15, 2021, and for interim periods within fiscal years beginning after December 13, 2022. The Company may elect either (1) to retrospectively apply the amendments to leases that commenced or were modified on or after the adoption of Update 2016-02 or (2) prospectively to leases that commence or are modified on or after the date that the Company first applies the amendments. The Company does not expect this amendment to have a material effect on its financial statements.

 

In August 2021, the FASB released ASU 2021-06, ‘Presentation of Financial Statements (Topic 205), Financial Services – Depository and Lending (Topic 942), and Financial Services – Investment Companies (Topic 946),’ which amends certain SEC paragraphs pursuant to SEC final rule releases No. 33-10786, Amendments to Financial Disclosures about Acquired and Disposed Businesses, and No. 33-10835, Update of Statistical Disclosures for Bank and Savings and Loan Registrants. These amendments become effective for fiscal years ending on or after December 15, 2021. The Company does not expect these amendments to have a material effect on its financial statements.

 

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

 

 

69

 

NOTE 27 PARENT CORPORATION ONLY FINANCIAL STATEMENTS

 

CONDENSED BALANCE SHEETS

AS OF DECEMBER 31, 2021 AND 2020

(Dollars in Thousands)

          
   2021  2020
ASSETS          
Due from banks  $187   $215 
Investment in subsidiaries   78,460    72,990 
Other assets   1,645    1,669 
Total Assets  $80,292   $74,874 
           
LIABILITIES          
Accrued interest payable  $104   $109 
Accrued expenses and other liabilities   61    92 
Trust preferred securities   16,496    16,496 
Total Liabilities   16,661    16,697 
           
STOCKHOLDERS’ EQUITY          

Common stock - $2.00 par value, 50,000,000 shares authorized;

23,922,086 shares issued and outstanding at both

December 31, 2021 and 2020

   47,844    47,844 
Additional paid capital   14,570    14,570 
Retained earnings (deficit)   2,031    (4,979)
Accumulated other comprehensive (loss) income   (814)   742 
Total Stockholders’ Equity   63,631    58,177 
Total Liabilities and Stockholders’ Equity  $80,292   $74,874 

 

CONDENSED STATEMENTS OF INCOME

FOR THE YEARS ENDED DECEMBER 31, 2021 AND 2020

(Dollars in thousands)

          
   2021  2020
       
Income          
Miscellaneous income  $13   $16 
Dividends from subsidiaries   430    610 
Undistributed income of subsidiaries   7,026    2,842 
Total income   7,469    3,468 
           
Expenses          
Trust preferred securities interest expense   420    541 
Professional fees   99    114 
Other operating expenses   58    19 
Total Expenses   577    674 
           
Income before Income Taxes   6,892    2,794 
Income Tax Benefit   (118)   (96)
Net Income  $7,010   $2,890 

 

70

 

CONDENSED STATEMENTS OF CASH FLOWS

FOR THE YEARS ENDED DECEMBER 31, 2021 AND 2020

(Dollars in thousands)

          
   2021  2020
       
Cash Flows From Operating Activities          
Net income  $7,010   $2,890 

Adjustments to reconcile net income to net cash used in

operating activities:

          
     Equity in undistributed earnings of subsidiaries   (6,580)   (2,842)
     Net (increase) decrease in other assets   (422)   67 
     Net decrease in other liabilities   (36)   (109)
Net cash (used in) provided by operating activities   (28)   6 
           
Net (decrease) increase in Cash and Cash Equivalents   (28)   6 
Cash and Cash Equivalents, Beginning of year   215    209 
Cash and Cash Equivalents, End of Year  $187   $215 
           
Supplemental Disclosure of Cash Paid During the Year for:          
     Interest  $425   $614 
     Taxes  $—     $(166)

 

 

71

 

NOTE 28 SELECTED QUARTERLY INFORMATION (UNAUDITED)

 

                    
  2021 QUARTERS
(Dollars in thousands except per share data)  Fourth  Third  Second  First
Income statement                    
Net interest income  $6,729    7,418    6,651   $6,413 
Provision for loan losses   —      —      186    186 
Noninterest income   2,503    2,970    2,378    2,129 
Noninterest expense   6,727    8,067    6,724    6,349 
Net income   1,917    1,845    1,663    1,585 
Earnings per share, basic and diluted *   0.08    0.08    0.07    0.07 
Period end balance sheet                    
Total loans receivable  $593,744    574,053    591,914   $594,454 
Total assets   794,647    800,849    797,588    810,266 
Total deposits   707,513    713,489    711,367    720,954 
Total stockholders’ equity   63,631    62,518    60,964    59,347 
                     

    2020 QUARTERS
                    
(Dollars in thousands except per share data)   Fourth    Third    Second    First 
Income statement                    
Net interest income  $6,447    6,414   $6,140   $6,142 
Noninterest income   300    450    550    1,000 
Provision for loan losses   2,234    2,116    1,628    2,165 
Noninterest expense   6,272    6,282    7,192    7,251 
Net income (loss)   1,391    1,424    29    46 
Earnings (loss) per share, basic and diluted   0.06    0.06    0.00    0.00 
Period end balance sheet                    
Total loans receivable  $575,566    585,122   $587,566   $560,468 
Total assets   756,302    749,125    754,651    715,144 
Total deposits   668,012    661,672    668,404    629,525 
Total stockholders’ equity   58,177    56,919    55,473    55,251 

 

* - For 2021, quarterly income per share does not total year-to-date income per share due to rounding.

 

Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure

 

None

 

Item 9A. Controls and Procedures

 

Management’s Report on Internal Control over Financial Reporting

 

Management is responsible for establishing and maintaining adequate internal control over financial reporting of New Peoples Bankshares, Inc. New Peoples’ internal control system was designed to provide reasonable assurance to management and the Board of Directors regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting practices.

 

All internal control systems, no matter how well designed, have inherent limitations. Because of these inherent limitations, internal control over financial reporting can provide only reasonable assurance with respect to financial statement preparation and presentation, and may not prevent or detect misstatements. Projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

 

72

 

Management assessed the effectiveness of New Peoples’ internal control over financial reporting as of December 31, 2021. In making this assessment, management used the criteria set forth by the Committee of Sponsoring Organizations of the Treadway Commission (COSO) in “Internal Control - Integrated Framework” issued in 2013. Based on this assessment, management concluded that the internal control over financial reporting was effective as of December 31, 2021.

 

Changes in Internal Control Over Financial Reporting

 

There have been no changes in our internal control over financial reporting during the last fiscal quarter that materially affected, or are reasonably likely to materially affect, internal control over financial reporting.

 

Disclosure Controls and Procedures

 

We maintain a system of disclosure controls and procedures that is designed to ensure that material information is accumulated and communicated to management, including our Chief Executive Officer and Chief Financial Officer, as appropriate to allow timely decisions regarding required disclosure. As of the end of the period covered by this report, we carried out an evaluation, under the supervision and with the participation of our management, including the Chief Executive Officer and Chief Financial Officer, of the effectiveness of the design and operation of the disclosure controls and procedures pursuant to Rule 13a-15 under the Securities Exchange Act of 1934, as amended. Based on that evaluation, our Chief Executive Officer and Chief Financial Officer concluded that our disclosure controls and procedures were operating effectively as of December 31, 2021.

 

Item 9B. Other Information

 

None.

 

Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections

 

Not applicable.

 

 

PART III

 

Item 10. Directors, Executive Officers and Corporate Governance

 

The information contained under the captions “Election of Directors,” “Incumbent Directors,” “Executive Officers Who Are Not Directors,” “Corporate Governance” and “Delinquent Section 16(a) Reports” in the 2022 Proxy Statement that is required to be disclosed in this Item 10 is incorporated herein by reference.

 

Item 11. Executive Compensation

 

The information contained under the captions “Director Compensation” and “Executive Compensation and Related Party Transactions” in the 2022 Proxy Statement that is required to be disclosed in this Item 11 is incorporated herein by reference.

 

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

 

The information contained under the captions “Security Ownership of Management” and “Security Ownership of Certain Beneficial Owners” in the 2022 Proxy Statement that is required to be disclosed in this Item 12 is incorporated herein by reference.

 

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

 

The information contained under the caption “Executive Compensation and Related Party Transactions” and “Corporate Governance” in the 2022 Proxy Statement that is required to be disclosed in this Item 13 is incorporated herein by reference.

 

 

73

 

Item 14. Principal Accountant Fees and Services

 

The information contained under the caption “Audit Information” in the 2022 Proxy Statement that is required to be disclosed in this Item 14 is incorporated herein by reference.

 

Item 15.Exhibit and Financial Statement Schedules

 

(a)(1) The response to this portion of Item 15 is included in Item 8 above.

(a)(2) The response to this portion of Item 15 is included in Item 8 above.

(a)(3) The following exhibits are filed as part of this Form 10-K:

 

 

 

Exhibit

Number

  
   

3.1

 Amended Articles of Incorporation of New Peoples Bankshares, Inc. (incorporated by reference to Exhibit 3.1 to Form 10-Q for the quarterly period ended June 30, 2008 filed on August 11, 2008).

3.2

 Bylaws of Registrant (incorporated by reference to Exhibit 3.2 to Form 8-K filed August 26, 2020).

4.1

 Specimen Common Stock Certificate of New Peoples Bankshares, Inc. (incorporated by reference to Exhibit 4.1 to Form 10-Q for the quarterly period ended June 30, 2012 filed on August 14, 2012).

4.2

 Description of New Peoples Bankshares, Inc.’s Securities (incorporated by reference to Exhibit 4.2 to Annual Report on Form 10-K for the fiscal year ended December 31, 2019).

10.1*

 Employment Agreement dated December 1, 2016 between New Peoples Bankshares, Inc., New Peoples Bank, Inc., and C. Todd Asbury (incorporated by reference to Exhibit 10.1 to Form 8-K filed December 2, 2016

14

 Code of Ethics (incorporated by reference to Exhibit 14 to Annual Report on Form 10-K for the fiscal year ended December 31, 2003). 

21

Subsidiaries of the Registrant.

24

 Powers of Attorney (contained on signature page).

31.1

Certification by Chief Executive Officer pursuant to Rule 13a-14(a).

31.2

Certification by Chief Financial Officer pursuant to Rule 13a-14(a).

32

 

101

Certification by Chief Executive Officer and Chief Financial Officer pursuant to 18 U.S.C. Section 1350.

The following materials for the Company’s 10-K Report for the year ended December 31, 2020, formatted in XBRL are being furnished, not filed. XBRL Taxonomy Extension Calculation Linkbase Document, XBRL Taxonomy Extension Definitions Linkbase Document, Taxonomy Extension Label Linkbase Document, XBRL Taxonomy Extension Label Linkbase Document.

 

 


____________________________________

* Denotes management contract.

 

(b)       See Item 15(a)(3) above.

(c)       See Items 15(a)(1) and (2) above.

 

 

Item 16. Form 10-K Summary

 

None.

 

74

 

SIGNATURES

 

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

 

NEW PEOPLES BANKSHARES, INC.

 

 

 

By: /s/ C. TODD ASBURY

C. Todd Asbury

Director, President and Chief Executive Officer

Date: March 31, 2022

 

 

 

By: /s/ CHRISTOPHER G. SPEAKS

Christopher G. Speaks

Executive Vice President, Chief Financial Officer and Treasurer

Date: March 31, 2022

 

 

 

By: /s/ JOHN J. BOCZAR

John J. Boczar

Chief Accounting Officer and Secretary

Date: March 31, 2022

 

75

 

 

POWER OF ATTORNEY

 

Each of the undersigned hereby appoints C. Todd Asbury and Christopher G. Speaks, and each of them, as attorneys and agents for the undersigned, with full power of substitution, in his name and on his behalf as a director of New Peoples Bankshares, Inc. (the “Registrant”), to act and to execute any and all instruments as such attorneys or attorney deem necessary or advisable to enable the Registrant to comply with the Securities Exchange Act of 1934, and any rules, regulations, policies or requirements of the Securities and Exchange Commission (the “Commission”) in respect thereof, in connection with the preparation and filing with the Commission of the Registrant’s Annual Report on Form 10-K for the fiscal year ended December 31, 2021 (the “Report”), and any and all amendments to such Report, together with such other supplements, statements, instruments and documents as such attorneys or attorney deem necessary or appropriate.

 

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

 

Signature

 

Capacity

 

Date

 

 

 

 

 

 

 

 

 

 

/s/ C. TODD ASBURY

 

Director, President and 

 

March 31, 2022

C. Todd Asbury

 

Chief Executive Officer

 

 

 

 

(Principal Executive Officer)

 

 
         

/s/ CHRISTOPHER G. SPEAKS

 

Executive Vice President and

 

March 31, 022

Christopher G. Speaks

 

Chief Financial Officer

 

 
    (Principal Financial Officer)    

/s/ JOHN J. BOCZAR

 

 Chief Accounting Officer

 

March 31, 2022

John J. Boczar

 

   (Principal Accounting Officer)

 

 
         

/s/ TIM BALL

 

Director

 

March 31, 2022

Tim Ball

 

 

 

 

 

/s/ GINA D. BOGGESS

 

Director

 

March 31, 2022

Gina D. Boggess

 

 

 

 

 

 

 

 

 

/s/ J. ROBERT BUCHANAN

 

Director

 

March 31, 2022

J. Robert Buchanan

 

 

 

 

 

/s/ JOE CARTER

 

Director

 

March 31, 2022

Joe Carter

 

 

 

 

 

 

 

 

 

/s/ JOHN D. COX

 

Director

 

March 31, 2022

John D. Cox

 

 

 

 

 

/s/ CHARLES H. GENT

 

Director

 

March 31, 2022

Charles H. Gent

 

 

 

 

/s/ EUGENE HEARL

 

Director

 

March 31, 2022

Eugene Hearl

 

 

 

 

 

 

 

 

 

 

/s/ HAROLD LYNN KEENE

 

Chairman, Director

 

March 31, 2022

Harold Lynn Keene

 

 

 

 
/s/ MICHAEL G. MCGLOTHLIN

 

Director

 

 March 31, 2022

Michael G. McGlothlin

 

 

 

 

 

 

/s/ B. SCOTT WHITE

 

Vice Chairman, Director

 

March 31, 022

B. Scott White

 

 

 

 

 

 

 

 

 

 

 

 

76

  

 EX-4.2 2 sfsnpbs10k033022ex4_2.htm DESCRIPTION OF SECURITIES

Exhibit 4.2

 

DESCRIPTION OF SECURITIES

As of December 31, 2021, the common stock, par value $2.00 per share, was the only class of securities of New Peoples Bankshares, Inc. (the “Company”) registered under Section 12 of the Securities Exchange Act of 1934, as amended.

The following section describes the general terms and provisions of the shares of the Company’s common stock. You should read the Company’s articles of incorporation, as amended, and bylaws, as amended, for additional information about the common stock. The articles of incorporation and bylaws are included as exhibits to the Company’s Annual Report on Form 10-K, to which this exhibit also is attached.

General

 

As of December 31, 2021, the Company’s authorized capital stock consisted of 50,000,000 shares of common stock, par value $2.00 per share, 23,922,086 of which were outstanding.

 

Voting Rights

 

Each holder of common shares is entitled to one vote per share held on any matter submitted to a vote of shareholders. There are no cumulative voting rights in the election of directors.

 

Dividends

 

The Company’s shareholders are entitled to receive dividends or distributions that its board of directors may declare out of funds legally available for those payments. The payment of dividends or distributions by the Company is subject to the restrictions of Virginia law applicable to the declaration of distributions by a corporation. A Virginia corporation generally may not authorize and make distributions if, after giving effect to the distribution, it would be unable to meet its debts as they become due in the usual course of business or if the corporation’s total assets would be less than the sum of its total liabilities plus the amount that would be needed, if it were dissolved at that time, to satisfy the preferential rights of shareholders whose rights are superior to the rights of those receiving the distribution. In addition, the payment of distributions to shareholders is subject to any prior rights of outstanding preferred stock.

 

The Company is a corporation separate and distinct from New Peoples Bank, Inc., its bank subsidiary (the “Bank”). As a financial holding company, the Company’s ability to pay dividends is affected by the ability of the Bank to pay dividends to the holding company. The ability of the Bank, as well as the Company, to pay dividends is influenced by bank regulatory requirements and capital guidelines.

 

No Preemptive or Conversion Rights

 

Holders of the Company’s common shares do not have preemptive rights to purchase additional shares of any class of the Company’s stock, and have no conversion or redemption rights.

 

Calls and Assessments

 

All of the issued and outstanding common shares are fully paid and non-assessable.

 

Liquidation Rights

 

In the event of the Company’s liquidation, dissolution or winding up, the holders of common shares (and the holders of any class or series of stock entitled to participate with the common shares in the distribution of assets) shall be entitled to receive, in cash or in kind, the Company’s assets available for distribution remaining after payment or provision for payment of the Company’s debts and liabilities.

 

Certain Provisions of the Company’ s Articles of Incorporation and Bylaws and Virginia Law

 

General

 

The Company’s articles of incorporation and bylaws contain provisions that could make more difficult an acquisition of the Company by means of a tender offer, a proxy contest or otherwise. In addition, Virginia has two antitakeover statutes, the Affiliated Transactions Statute and the Control Share Acquisitions Statute, that could make it more difficult for another party to acquire the Company without the approval of the Company’s board of directors. These provisions are expected to discourage specific types of coercive takeover practices and inadequate takeover bids as well as to encourage persons seeking to acquire control to first negotiate with the Company. Although these provisions may have the effect of delaying, deferring or preventing a change in control, the Company believes that the benefits of increased protection through the potential ability to negotiate with the proponent of an unfriendly or unsolicited proposal to acquire or restructure the Company outweigh the disadvantages of discouraging these proposals because, among other things, negotiation of such proposals could result in an improvement of their terms.

 

 

 

Shareholder Approval of Certain Transactions

 

The Company’s articles of incorporation provide that an amendment of the Company’s articles of incorporation, a plan of merger or share exchange, a transaction involving the sale of all or substantially all of the Company’s assets other than in the regular course of business, and a plan of dissolution must be approved by the vote of a majority of all the votes entitled to be cast on such transactions by each voting group entitled to vote on the transaction at a meeting at which a quorum of the voting group is present, provided that the transaction has been approved and recommended by at least two-thirds of the directors in office at the time of such approval and recommendation. If the transaction is not so approved and recommended by two-thirds of the directors in office, then the transaction must be approved by the vote of eighty percent (80%) or more of all the votes entitled to be cast on such transactions by each voting group entitled to vote on the transaction.

 

Classified Board of Directors

 

The Company’s articles of incorporation provide that the board of directors shall be divided into three classes as nearly equal in number as possible. The members of each class are elected for a term of three years and until their successors are elected and qualified. As a result, approximately one third of the members of the board of directors are elected each year, and two annual meetings are required for the Company’s shareholders to change a majority of the members constituting the board of directors.

 

Removal of Directors

 

The Company’s bylaws currently provide that any director may be removed from office at a meeting called expressly for that purpose by the vote of stockholders holding a majority of the shares entitled to vote at an election of directors.

 

Advance Notification Requirements

 

The Company’s bylaws prescribe the procedure that a shareholder must follow to nominate directors or to bring other business before shareholders’ meetings outside of the proxy statement process. For a shareholder to nominate a candidate for director or to bring other business before at an annual meeting of shareholders, written notice of nomination must be received by the Company’s Corporate Secretary not less than 30 days prior to the first anniversary date of the initial notice given to shareholders of record on the record date for the previous annual meeting by or at the direction of the board of directors; provided, however, that such notice shall not be required to be given more than 90 days prior to the annual meeting of shareholders. Notice of nomination of a director must describe various matters regarding the nominee and the shareholder giving the notice. Notice of other business to be brought before the meeting must include a description of the proposed business, the reasons therefore, and other specified matters regarding the shareholder giving the notice.

 

 EX-21 3 sfsnpbs10k033022ex21.htm NAME OF SUBSIDIARY INCORPORATION

Exhibit 21

 

Name of Subsidiary

 

Incorporation

New Peoples Bank, Inc.

 

State of Virginia

NPB Web Services, Inc.

 

State of Virginia

NPB Capital Trust I

 

State of Delaware

NPB Capital Trust 2

 

State of Delaware

EX-31.1 4 sfsnpbs10k033022ex31_1.htm CERTIFICATION

Exhibit 31.1

 

CERTIFICATION

 

I, C. Todd Asbury, certify that:

 

1. I have reviewed this annual report on Form 10-K for the year ended December 31, 2021 of New Peoples Bankshares, 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 the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

(c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures 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: March 31, 2022

 

 
   

/s/ C. TODD ASBURY

 

  
C. Todd Asbury  
Director, President & Chief Executive Officer  

 

 EX-31.2 5 sfsnpbs10k033022ex31_2.htm CERTIFICATION

Exhibit 31.2

 

CERTIFICATION

 

I, Christopher G. Speaks, certify that:

 

1. I have reviewed this annual report on Form 10-K for the year ended December 31, 2021 of New Peoples Bankshares, 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 the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

(c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures 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: March 31, 2022

 

   
   

/s/ CHRISTOPHER G. SPEAKS

 

  

Christopher G. Speaks

Executive Vice President & Chief Financial Officer

 

  

 

 

 EX-32 6 sfsnpbs10k033022ex32.htm CERTIFICATION OF CHIEF EXECUTIVE OFFICER, CHIEF FINANCIAL OFFICER AND CHIEF ACCOUNTING OFFICER

 

Exhibit 32

 

CERTIFICATION OF CHIEF EXECUTIVE OFFICER, CHIEF FINANCIAL OFFICER AND CHIEF ACCOUNTING OFFICER

 

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (18 U.S.C. Section 1350)

 

The undersigned, as the Chief Executive Officer, Chief Financial Officer and Chief Accounting Officer, respectively, of New Peoples Bankshares, Inc., certify that, to the best of their knowledge and belief, the Annual Report on Form 10-K for the year ended December 31, 2021, which accompanies this certification, fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934 and the information contained in the report fairly presents, in all material respects, the financial condition and results of operations of New Peoples Bankshares, Inc. at the dates and for the periods indicated. The foregoing certification is made pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (18 U.S.C. Section 1350) and shall not be relied upon for any other purpose. The undersigned expressly disclaim any obligation to update the foregoing certification except as required by law.

 

         
     
Date:  March 31, 2022       /s/ C. TODD ASBURY
        C. Todd Asbury
        Director, President & Chief Executive Officer
     
Date:  March 31, 2022       /s/ CHRISTOPHER G. SPEAKS
        Christopher G. Speaks
        Executive Vice President & Chief Financial Officer
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Name Entity Central Index Key Entity Primary SIC Number Entity Tax Identification Number Entity Incorporation, State or Country Code Entity Address, Address Line One Entity Address, Address Line Two Entity Address, Address Line Three Entity Address, City or Town Entity Address, State or Province Entity Address, Country Entity Address, Postal Zip Code Country Region City Area Code Local Phone Number Extension Written Communications Soliciting Material Pre-commencement Tender Offer Pre-commencement Issuer Tender Offer Title of 12(b) Security No Trading Symbol Flag Trading Symbol Security Exchange Name Title of 12(g) Security Security Reporting Obligation Annual Information Form Audited Annual Financial Statements Entity Well-known Seasoned Issuer Entity Voluntary Filers Entity Current Reporting Status Entity Interactive Data Current Entity Filer Category Entity Small Business Entity Emerging Growth Company Elected Not To Use the Extended Transition Period Document Accounting Standard Other Reporting Standard Item Number Entity Shell Company Entity Public Float Entity Bankruptcy Proceedings, Reporting Current Entity Common Stock, Shares Outstanding Documents Incorporated by Reference [Text Block] Auditor Name Auditor Firm ID Auditor Location Statement of Financial Position [Abstract] ASSETS Cash and due from banks Interest-bearing deposits with banks Federal funds sold Total Cash and Cash Equivalents Investment securities available-for-sale Loans held for sale Loans receivable Allowance for loan losses Net Loans Bank premises and equipment, net Other real estate owned Accrued interest receivable Deferred taxes, net Right-of-use assets – operating leases Other assets Total Assets LIABILITIES Deposits Noninterest bearing Interest-bearing Total Deposits Borrowed funds Lease liabilities – operating leases Accrued interest payable Accrued expenses and other liabilities Total Liabilities Commitments and Contingent Liabilities (Notes 19 and 20) STOCKHOLDERS’ EQUITY Common stock - $2.00 par value; 50,000,000 shares authorized; 23,922,086 shares issued and outstanding at December 31, 2021 and 2020, respectively Additional paid-in capital Retained earnings (deficit) Accumulated other comprehensive (loss) income Total Stockholders’ Equity Total Liabilities and Stockholders’ Equity Common stock, par value (in dollars per share) Common stock, authorized Common stock, issued Common stock, outstanding Income Statement [Abstract] INTEREST AND DIVIDEND INCOME Loans including fees Federal funds sold Interest-earning deposits with banks Investments Dividends on equity securities (restricted) Total Interest and Dividend Income INTEREST EXPENSE Deposits Borrowed funds Total Interest Expense NET INTEREST INCOME PROVISION FOR LOAN LOSSES NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES NONINTEREST INCOME Service charges and fees Card processing and interchange income Insurance and investment fees Net gain on sales of available-for-sale securities Other noninterest income Total Noninterest Income NONINTEREST EXPENSES Salaries and employee benefits Occupancy and equipment expenses Data processing and telecommunications Other operating expenses Total Noninterest Expenses INCOME BEFORE INCOME TAXES INCOME TAX EXPENSE NET INCOME Income Per Share Basic and Diluted Average Weighted Shares of Common Stock Basic and Diluted NET INCOME Other comprehensive income:      Investment securities activity:           Unrealized (losses) gains arising during the year           Reclassification adjustment for net gains included in net income              Other comprehensive (losses) gains on investment securities           Related tax benefit (expense) TOTAL OTHER COMPREHENSIVE (LOSS) INCOME TOTAL COMPREHENSIVE INCOME Statement [Table] Statement [Line Items] Beginning balance, value Balance at beginning, shares Net income Other comprehensive loss, net of tax Ending balance, value Balance at ending, shares Statement of Cash Flows [Abstract] CASH FLOWS FROM OPERATING ACTIVITIES Adjustments to reconcile net income to net cash provided by operating activities: Depreciation Provision for loan losses Income on bank owned life insurance Gain on sale of securities available-for-sale Gain on sale of mortgage loans Loss on sale or disposal of premises and equipment Gain on sale of foreclosed real estate and repossessed assets Loans originated for sale Proceeds from sales of loans originated for sale Adjustment of carrying value of foreclosed real estate and repossessed assets Net amortization/accretion of bond premiums/discounts Deferred tax expense Net change in: Interest receivable Other assets Accrued interest payable Accrued expenses and other liabilities Net Cash Provided by Operating Activities CASH FLOWS FROM INVESTING ACTIVITIES Net increase in loans Purchase of securities available-for-sale Proceeds from sale of investment securities available-for-sale Proceeds from repayments and maturities of securities available-for-sale Net sale (purchase) of equity securities (restricted) Payments for the purchase of premises and equipment Proceeds from sale of premises and equipment Proceeds from insurance claims on other real estate owned Proceeds from sales of other real estate owned Net Cash Used in Investing Activities CASH FLOWS FROM FINANCING ACTIVIES Net change in short term borrowings Net change in noninterest bearing deposits Net change in interest bearing deposits Net Cash Provided by Financing Activities Net (decrease) increase in cash and cash equivalents Cash and Cash Equivalents, Beginning of the Year Cash and Cash Equivalents, End of the Year Supplemental Disclosure of Cash Paid During the Year for: Interest Taxes Supplemental Disclosure of Non-Cash Transactions: Right-of-use assets obtained in exchange for new operating lease liabilities Loan made to finance sale of premises and equipment Other real estate acquired in settlement of foreclosed loans Loans made to finance sale of foreclosed real estate Transfer of premises and equipment to other real estate Change in unrealized gains on securities available for sale Organization, Consolidation and Presentation of Financial Statements [Abstract] NATURE OF OPERATIONS Accounting Policies [Abstract] SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Earnings Per Share [Abstract] INCOME PER SHARE Deposits In And Federal Funds Sold To Banks DEPOSITS IN AND FEDERAL FUNDS SOLD TO BANKS Investments, Debt and Equity Securities [Abstract] INVESTMENT SECURITIES Receivables [Abstract] LOANS ALLOWANCE FOR LOAN LOSSES Troubled Debt Restructurings TROUBLED DEBT RESTRUCTURINGS Property, Plant and Equipment [Abstract] BANK PREMISES AND EQUIPMENT Income Tax Disclosure [Abstract] INCOME TAXES Time Deposits TIME DEPOSITS Related Party Transactions [Abstract] RELATED PARTY TRANSACTIONS Retirement Benefits [Abstract] RETIREMENT PLANS Real Estate [Abstract] OTHER REAL ESTATE OWNED Bank Owned Life Insurance BANK OWNED LIFE INSURANCE Equity [Abstract] DIVIDEND LIMITATIONS ON SUBSIDIARY BANK Leases [Abstract] LEASING ACTIVITIES Borrowed Funds BORROWED FUNDS Investments, All Other Investments [Abstract] FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK Legal Contingencies LEGAL CONTINGENCIES Banking and Thrift Disclosure [Text Block] CAPITAL Fair Value Disclosures [Abstract] FAIR VALUES Revenue from Contract with Customer [Abstract] REVENUE FROM CONTRACTS WITH CUSTOMERS Noninterest Expenses NONINTEREST EXPENSES Subsequent Events [Abstract] SUBSEQUENT EVENTS Accounting Changes and Error Corrections [Abstract] RECENT ACCOUNTING DEVELOPMENTS Condensed Financial Information Disclosure [Abstract] PARENT CORPORATION ONLY FINANCIAL STATEMENTS Quarterly Financial Information Disclosure [Abstract] SELECTED QUARTERLY INFORMATION (UNAUDITED) Basis of Presentation and Consolidation Use of Estimates Cash and Cash Equivalents Investment Securities Loans held for sale Loans Significant Group Concentrations of Credit Risk Allowance for Loan Losses Bank Premises and Equipment Other Real Estate Owned Bank Owned Life Insurance (BOLI) Leases Income Taxes Income Per Share Financial Instruments – Off-balance-sheet instruments Financial Instruments – Fair Value Comprehensive Income Revenue from Contracts with Customers Advertising Cost Reclassification Subsequent Events Schedule of estimated useful lives Schedule of basic and diluted net loss per common share calculations Schedule of securities amortized cost and estimated fair value Schedule of fair value and gross unrealized losses on investment securities Schedule of amortized cost and fair value of investment securities contractual maturity Summary of loans receivable outstanding Summary of loans receivable on nonaccrual status Summary of impaired loans Summary of age analysis of past due loans receivable Summary of risk category of loans receivable Schedule of allocation of portion of allowance Schedule of loans modified as troubled debt restructurings Schedule of bank premises and equipment Schedule of pre-tax book income Schedule of components of income tax expense Schedule of reconciliation of income tax expense Schedule of net deferred tax assets and liabilities Schedule of maturities Schedule of related party Schedule of other real estate owned Schedule of future minimum rental commitments under the non-cancellable operating leases Schedule of breakdown of borrowed funds Schedule of maturities of borrowed funds Schedule of financial instruments with credit risk Schedule of capital requirements Schedule of summary of assets and liabilities measured at fair value Schedule of significant unobservable inputs In level 3 assets Schedule of estimated fair value of financial instruments Schedule of revenue from contracts with customers Schedule of noninterest expenses Schedule of parent corporation only condensed balance sheets Schedule of parent corporation only condensed statements of income Schedule of parent corporation only condensed statements of cash flows Schedule of selected quarterly information Property, Plant and Equipment [Table] Property, Plant and Equipment [Line Items] Estimated useful life Affiliated Current Weighted average shares outstanding Weighted average dilutive shares outstanding Basic and diluted income per share Commercial banks amounting Unsecured lines of credit Marketable Securities [Table] Marketable Securities [Line Items] Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Approximate Fair Value Fair Value, Less than 12 Months Unrealized Losses, Less than 12 Months Fair Value, 12 Months or More Unrealized Losses, 12 Months or More Fair Value, Total Unrealized Losses, Total Due in one year or less, amortized Cost Due in one year or less, fair value Due in one year or less, weighted average yield Due after one year through five years, amortized cost Due after one year through five years, fair value Due after one year through five years, weighted average yield Due after five years through ten years, amortized cost Due after five years through ten years, fair value Due after five years through ten years, weighted average yield Due after ten years, amortized cost Due after ten years, fair value Due after ten years, weighted average yield Amortized cost, total Approximate fair value Weighted average yield, total Investment securities of carrying value Investment securities Securities were sold Restricted from trading amount Schedule of Accounts, Notes, Loans and Financing Receivable [Table] Accounts, Notes, Loans and Financing Receivable [Line Items] Total loans and leases Total loans receivable on nonaccrual status Average Recorded Investment Interest Income Recognized Recorded Investment Unpaid Principal Balance Related Allowance Loans 30-59 Days Past Due Loans 60-89 Days Past Due Loans 90 or More Days Past Due Total Past Due Loans Current Loans Total  Beginning balance   Charge-offs   Recoveries   Provision   Ending balance   Individually evluated for impairment   Collectively evaluated for impairment  Total   Individually evluated for impairment   Collectively evaluated for impairment  # of Loans Pre-Mod. Recorded Investment Post-Mod. Recorded Investment Bank premises and equipment, gross, total Less accumulated depreciation Bank premises and equipment, net, total Operating Loss Carryforwards [Table] Operating Loss Carryforwards [Line Items] Total pre-tax book income Total current income tax expense (benefit) Total deferred income tax expense Total deferred income tax expense Income tax expense Income tax expense (benefit) at the applicable federal rate Permanent differences resulting from:      Nondeductible expenses      Tax exempt interest income      Bank owned life insurance Other adjustments Deferred Tax Assets      Allowance for loan losses      Deferred compensation      Nonaccrual loan interest      Unrealized loss on securities available for sale      Other real estate owned      Amortization of core deposits      Amortization of goodwill      Capitalized interest and repair expense      Net operating loss carryforward      Other Total Assets, gross Valuation allowance Total Assets, net Deferred Tax Liabilities      Accelerated depreciation      Unrealized gain on securities available for sale      Prepaid expenses      Deferred loan costs Total Liabilities, gross Net Deferred Tax Asset 2022 2023 2024 2025 2026 After five years Total Ending balance New loans and advances on lines Payments and other reductions Ending balance Balance, beginning of year Additions Transfers from premises and equipment Proceeds from sales Proceeds from insurance claims Loans made to finance sales Adjustment of carrying value Gains (losses) from sales Balance, end of year 2022 2023 2024 2025 2026 Thereafter Total lease payments Less imputed interest Total Investment Income [Table] Net Investment Income [Line Items] Balance for the year Highest balance at any month-end Average weighted balance Average interest rate paid during the year Average interest rate at year end 2022 2023 2024 2025 2026 2026 and thereafter Advances from Federal Home Loan Banks Debt Securities, Held-to-maturity, Allowance for Credit Loss [Table] Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items] Financial instruments with off-balance sheet risk Total Capital to Risk Weighted Assets, Actual, Amount Total Capital to Risk Weighted Assets, Actual, Ratio Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio Tier 1 Capital Risk Weighted Assets, Actual, Amount Tier 1 Capital Risk Weighted Assets, Actual, Ratio Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Amount Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Ratio Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio Tier 1 Capital to Average Assets, Actual, Amount Tier 1 Capital to Average Assets, Actual, Ratio Tier 1 Capital to Average Assets, Minimum Capital Requirement, Amount Tier 1 Capital to Average Assets, Minimum Capital Requirement, Ratio Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Amount Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Ratio Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio Fair Value, Recurring and Nonrecurring [Table] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Available for sale investments Impaired loans Fair Value Measurement Inputs and Valuation Techniques [Table] Fair Value Measurement Inputs and Valuation Techniques [Line Items] Fair Value Valuation Technique Significant Unobservable Inputs General Range of Significant Unobservable Input Values Net Loans Time deposits FHLB advances Gains on sales of available-for-sale securities Total Noninterest Income  Advertising, sponsorships and donations  ATM network expense  Legal and professional fees  Consulting fees  Loan related expenses  Printing and supplies  FDIC insurance premiums  Other real estate owned expenses, net  Other operating expenses  Total Condensed Financial Statements [Table] Condensed Financial Statements, Captions [Line Items] Due from banks Investment in subsidiaries Total Assets Trust preferred securities Total Liabilities STOCKHOLDERS’ EQUITY Common stock - $2.00 par value, 50,000,000 shares authorized; 23,922,086 shares issued and outstanding at both December 31, 2021 and 2020 Additional paid capital Total Stockholders’ Equity Total Liabilities and Stockholders’ Equity Income Miscellaneous income Dividends from subsidiaries Undistributed income of subsidiaries Total income Expenses Trust preferred securities interest expense Professional fees Total Expenses Income before Income Taxes Income Tax Benefit Net Income Cash Flows From Operating Activities Adjustments to reconcile net income to net cash used in operating activities:      Equity in undistributed earnings of subsidiaries      Net (increase) decrease in other assets      Net decrease in other liabilities Net cash (used in) provided by operating activities Net (decrease) increase in Cash and Cash Equivalents Cash and Cash Equivalents, Beginning of year Cash and Cash Equivalents, End of Year      Interest      Taxes Income statement Net interest income Noninterest income Provision for loan losses Noninterest expense Earnings (loss) per share, basic and diluted Period end balance sheet Total loans receivable Total assets Total deposits Total stockholders’ equity Amount refers to purchase of equity securities restricted. Available for sale of securities percentage of yield within one year. Available for sale of securities, percentage of yield, after one but within five years. Available for sale of securities, percentage of yield, after five through ten years. Available for sale of securities, percentage of yield, after ten years. Available for sale securities, debt maturities, weighted average yield. Farmland Agriculture Other Loans Average recorded investment Impaired Financing Receivables with No Related Allowance Member Interest Income Recognized Impaired Financing Receivables with Related Allowance Member Loans that are 30-59 days past due Loans that are 60-89 days past due Loans that are 90 or More Days Past Due Troubled debt restructuring modifications number of contracts. Troubled debt restructuring modifications pre modification recorded investment. Troubled debt restructuring modifications post modification recorded investment. Income Tax Reconciliation Bank Owned Life Insurance Deferred Tax Assets Nonaccrual Loan Interest Deferred Tax Assets Other Real Estate Owned Deferred Tax Assets Amortization Of Core Deposits Deferred Tax Assets Capitalized Interest And Repair Expense Deferred Tax Liabilities Accelerated Depreciation The amount of deferred loan cost. The amount of additions. The amount of transfers of premises and equipment to other real estate owned. The amount of proceeds from sales. The amount of proceeds from insurance claims. The amount of loans made to finance sale of other real estate owned. The amount of adjustment of carrying value. The amount of gain loss from sales. The amount of operating lease future minimum payment due before impute interest. The member represent npb capital trust ii. The member represent npb capital trust. The member represent federaal funds lines. The member represent bank. The member represent taxable municipals. The amount of impaired loans. The member represent impaired loans. Description of significant assumptions used by management to measure fair value. Fair Value Measurements Significant Unobservable Input Value The member represent fair value. It represent atm network expense. It represents non interest other real estate own net. It represents other non interest expense. Trust preferred securities Miscellaneous Income Undistributed Income Loss Of Subsidiaries Consumer Installment Loans [Member] [Default Label] Cash and Cash Equivalents, at Carrying Value Loans and Leases Receivable, Allowance Assets Deposits [Default Label] Interest Income, Federal Funds Sold Interest and Dividend Income, Operating Interest Expense, Customer Deposits Interest Expense, Debt Interest Expense Interest Income (Expense), after Provision for Loan Loss WeightedAverageNumberOfSharesOutstandingBasicAndDiluted OCI, Debt Securities, Available-for-Sale, Gain (Loss), before Adjustment and Tax OCI, Debt Securities, Available-for-Sale, Unrealized Holding Gain (Loss), before Adjustment, Tax Comprehensive Income (Loss), Net of Tax, Attributable to Parent Shares, Outstanding Gain (Loss) on Sale of Mortgage Loans Gain (Loss) on Disposition of Property Plant Equipment Gain (Loss) on Sale of Properties Payments for Origination of Mortgage Loans Held-for-sale Accretion (Amortization) of Discounts and Premiums, Investments Increase (Decrease) in Accrued Interest Receivable, Net Increase (Decrease) in Other Operating Assets Increase (Decrease) in Interest Payable, Net Increase (Decrease) in Other Accrued Liabilities IncreaseDecreaseInLoans Payments to Acquire Available-for-sale Securities Net Purchase of equity securities (restricted) Payments to Acquire Property, Plant, and Equipment Net Cash Provided by (Used in) Investing Activities NetChangeInShortTermBorrowings Net Cash Provided by (Used in) Financing Activities NoninterestExpensesTextBlock Financing Receivable, Held-for-sale [Policy Text Block] Earnings Per Share, Policy [Policy Text Block] FinancingReceivableAllowanceForCreditLossesWriteOff Financing Receivable, Individually Evaluated for Impairment Financing Receivable, Collectively Evaluated for Impairment Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment Effective Income Tax Rate Reconciliation, Tax Exempt Income, Amount Deferred Tax Assets, Valuation Allowance Due from Officers or Stockholders Repayments of Related Party Debt Operating Leases, Future Minimum Payments, Next Rolling Twelve Months Operating Leases, Future Minimum Payments, Due in Rolling Year Two Operating Leases, Future Minimum Payments, Due in Rolling Year Three Operating Leases, Future Minimum Payments, Due in Rolling Year Four Operating Leases, Future Minimum Payments, Due in Rolling Year Five Operating Leases, Future Minimum Payments Due Federal Home Loan Bank, Advance, Maturity, Year One Federal Home Loan Bank, Advance, Maturity, Year Two Federal Home Loan Bank, Advance, Maturity, Year Three Federal Home Loan Bank, Advance, Maturity, Year Four Federal Home Loan Bank, Advance, Maturity, Year Five SEC Schedule, 12-04, Cash Dividends Paid to Registrant, Consolidated Subsidiaries Income (Loss) from Subsidiaries, Net of Tax Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents EX-101.PRE 12 nwpp-20211231_pre.xml XBRL PRESENTATION FILE XML 13 R1.htm IDEA: XBRL DOCUMENT v3.22.1
Cover - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2021
Mar. 31, 2022
Jun. 30, 2021
Cover [Abstract]      
Document Type 10-K    
Amendment Flag false    
Document Annual Report true    
Document Transition Report false    
Document Period End Date Dec. 31, 2021    
Document Fiscal Period Focus FY    
Document Fiscal Year Focus 2021    
Current Fiscal Year End Date --12-31    
Entity File Number 000-33411    
Entity Registrant Name New Peoples Bankshares, Inc.    
Entity Central Index Key 0001163389    
Entity Tax Identification Number 31-1804543    
Entity Incorporation, State or Country Code VA    
Entity Address, Address Line One 67 Commerce Drive    
Entity Address, City or Town Honaker    
Entity Address, State or Province VA    
Entity Address, Postal Zip Code 24260    
City Area Code 276    
Local Phone Number 873-7000    
Trading Symbol None    
Title of 12(g) Security Common Stock - $2 Par Value    
Entity Well-known Seasoned Issuer No    
Entity Voluntary Filers No    
Entity Current Reporting Status Yes    
Entity Interactive Data Current Yes    
Entity Filer Category Non-accelerated Filer    
Entity Small Business true    
Entity Emerging Growth Company false    
Entity Shell Company false    
Entity Public Float     $ 21,089,972
Entity Common Stock, Shares Outstanding   23,922,086  
Auditor Name Elliott Davis, LLC    
Auditor Firm ID 149    
Auditor Location Greenville, South Carolina    
XML 14 R2.htm IDEA: XBRL DOCUMENT v3.22.1
CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Dec. 31, 2021
Dec. 31, 2020
ASSETS    
Cash and due from banks $ 14,952 $ 16,023
Interest-bearing deposits with banks 45,766 76,105
Federal funds sold 228 222
Total Cash and Cash Equivalents 60,946 92,350
Investment securities available-for-sale 107,358 48,406
Loans held for sale 389
Loans receivable 593,744 575,566
Allowance for loan losses (6,735) (7,191)
Net Loans 587,009 568,375
Bank premises and equipment, net 20,735 22,174
Other real estate owned 1,361 3,334
Accrued interest receivable 2,112 2,392
Deferred taxes, net 1,673 3,126
Other assets 9,391 10,317
Total Assets 794,647 756,302
Deposits    
Noninterest bearing 251,257 223,725
Interest-bearing 456,256 444,287
Total Deposits 707,513 668,012
Accrued interest payable 272 436
Accrued expenses and other liabilities 2,673 2,742
Total Liabilities 731,016 698,125
STOCKHOLDERS’ EQUITY    
Common stock - $2.00 par value; 50,000,000 shares authorized; 23,922,086 shares issued and outstanding at December 31, 2021 and 2020, respectively 47,844 47,844
Additional paid-in capital 14,570 14,570
Retained earnings (deficit) 2,031 (4,979)
Accumulated other comprehensive (loss) income (814) 742
Total Stockholders’ Equity 63,631 58,177
Total Liabilities and Stockholders’ Equity $ 794,647 $ 756,302
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CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares
Dec. 31, 2021
Dec. 31, 2020
Statement of Financial Position [Abstract]    
Common stock, par value (in dollars per share) $ 2.00 $ 2.00
Common stock, authorized 50,000,000 50,000,000
Common stock, issued 23,922,086 23,922,086
Common stock, outstanding 23,922,086 23,922,086
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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
INTEREST AND DIVIDEND INCOME    
Loans including fees $ 28,323 $ 28,638
Federal funds sold 1
Interest-earning deposits with banks 95 208
Investments 1,377 1,048
Dividends on equity securities (restricted) 117 141
Total Interest and Dividend Income 29,912 30,036
INTEREST EXPENSE    
Deposits 2,248 4,284
Borrowed funds 453 609
Total Interest Expense 2,701 4,893
NET INTEREST INCOME 27,211 25,143
PROVISION FOR LOAN LOSSES 372 2,300
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 26,839 22,843
NONINTEREST INCOME    
Service charges and fees 3,724 3,217
Insurance and investment fees 1,029 716
Net gain on sales of available-for-sale securities [1] 322 4
Other noninterest income 1,034 896
Total Noninterest Income 9,980 8,147
NONINTEREST EXPENSES    
Salaries and employee benefits 12,662 13,228
Occupancy and equipment expenses 5,785 4,536
Data processing and telecommunications 2,444 2,497
Other operating expenses 6,976 6,736
Total Noninterest Expenses 27,867 26,997
INCOME BEFORE INCOME TAXES 8,952 3,993
INCOME TAX EXPENSE 1,942 1,103
NET INCOME $ 7,010 $ 2,890
[1] – Not within the scope of ASU 2014-9
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CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Income Statement [Abstract]    
NET INCOME $ 7,010 $ 2,890
     Investment securities activity:    
          Unrealized (losses) gains arising during the year (1,647) 871
          Reclassification adjustment for net gains included in net income (322) (4)
             Other comprehensive (losses) gains on investment securities (1,969) 867
          Related tax benefit (expense) 413 (182)
TOTAL OTHER COMPREHENSIVE (LOSS) INCOME (1,556) 685
TOTAL COMPREHENSIVE INCOME $ 5,454 $ 3,575
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CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($)
shares in Thousands, $ in Thousands
Common Stock [Member]
Additional Paid-in Capital [Member]
Retained Earnings [Member]
AOCI Attributable to Parent [Member]
Total
Beginning balance, value at Dec. 31, 2019 $ 47,844 $ 14,570 $ (7,869) $ 57 $ 54,602
Balance at beginning, shares at Dec. 31, 2019 23,922        
Net income 2,890 2,890
Other comprehensive loss, net of tax 685 685
Ending balance, value at Dec. 31, 2020 $ 47,844 14,570 (4,979) 742 58,177
Balance at ending, shares at Dec. 31, 2020 23,922        
Net income 7,010 7,010
Other comprehensive loss, net of tax (1,556) (1,556)
Ending balance, value at Dec. 31, 2021 $ 47,844 $ 14,570 $ 2,031 $ (814) $ 63,631
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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 7,010 $ 2,890
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation 2,097 2,189
Provision for loan losses 372 2,300
Gain on sale of mortgage loans (104) (174)
Loss on sale or disposal of premises and equipment 1,098 19
Gain on sale of foreclosed real estate and repossessed assets (126) (58)
Loans originated for sale (5,814) (11,948)
Proceeds from sales of loans originated for sale 6,307 11,735
Adjustment of carrying value of foreclosed real estate and repossessed assets 466 165
Net amortization/accretion of bond premiums/discounts 482 419
Deferred tax expense 1,866 1,103
Net change in:    
Interest receivable 280 (277)
Other assets 403 77
Accrued interest payable (164) (258)
Accrued expenses and other liabilities (19) 473
Net Cash Provided by Operating Activities 13,800 8,574
CASH FLOWS FROM INVESTING ACTIVITIES    
Purchase of securities available-for-sale (85,082) (9,584)
Proceeds from sale of investment securities available-for-sale 7,686 1,025
Proceeds from repayments and maturities of securities available-for-sale 16,315 11,254
Payments for the purchase of premises and equipment (4,094) (2,141)
Proceeds from sale of premises and equipment 1,203 1
Proceeds from insurance claims on other real estate owned 54
Proceeds from sales of other real estate owned 2,645 760
Net Cash Used in Investing Activities (79,705) (12,906)
CASH FLOWS FROM FINANCING ACTIVIES    
Net change in noninterest bearing deposits 27,532 52,943
Net Cash Provided by Financing Activities 34,501 46,535
Net (decrease) increase in cash and cash equivalents (31,404) 42,203
Cash and Cash Equivalents, Beginning of the Year 92,350 50,147
Cash and Cash Equivalents, End of the Year 60,946 92,350
Supplemental Disclosure of Cash Paid During the Year for:    
Interest 2,865 5,151
Taxes (166)
Supplemental Disclosure of Non-Cash Transactions:    
Other real estate acquired in settlement of foreclosed loans $ 566 $ 1,128
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NATURE OF OPERATIONS
 12 Months Ended
Dec. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
NATURE OF OPERATIONS

NOTE 1 NATURE OF OPERATIONS

 

Nature of Operations – New Peoples Bankshares, Inc. (New Peoples) is a financial holding company whose principal activity is the ownership and management of a community bank, New Peoples Bank, Inc. (the Bank). New Peoples and the Bank are each organized and incorporated under the laws of the Commonwealth of Virginia. As a state-chartered member bank, the Bank is subject to regulation by the Virginia Bureau of Financial Institutions, the Federal Deposit Insurance Corporation and the Board of Governors of the Federal Reserve System. The Bank provides general banking services to individuals, small and medium size businesses and the professional community of southwest Virginia, southern West Virginia, northeastern Tennessee and western North Carolina. These services include commercial and consumer loans along with traditional deposit products such as checking and savings accounts.

 

 
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SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
 12 Months Ended
Dec. 31, 2021
Accounting Policies [Abstract]  
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

NOTE 2 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

 

Basis of Presentation and Consolidation - The consolidated financial statements include New Peoples, the Bank, NPB Insurance Services, Inc., and NPB Web Services, Inc. (Hereinafter, collectively referred to as the Company, we, us, or our). All significant intercompany balances and transactions have been eliminated. In accordance with Accounting Standards Codification (ASC) 942, Financial Services – Depository and Lending, NPB Capital Trust I and 2 are not included in the consolidated financial statements.

 

Use of Estimates - The preparation of financial statements in conformity with generally accepted accounting principles of the United States (GAAP) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. The determination of the adequacy of the allowance for loan losses and the determination of the deferred tax asset and related valuation allowance are based on estimates that are particularly susceptible to significant changes in the economic environment and market conditions.

 

Cash and Cash Equivalents – Cash and cash equivalents as used in the cash flow statements include cash and due from banks, interest-bearing deposits with banks, federal funds sold and investment securities maturing within three months.

 

Investment Securities – Management determines the appropriate classification of securities at the time of purchase. If management has the intent and the Company has the ability at the time of purchase to hold securities until maturity, they are classified as held to maturity and carried at amortized historical cost. Securities not intended to be held to maturity are classified as available-for-sale and carried at fair value. Securities available-for-sale are intended to be used as part of the Company’s asset and liability management strategy and may be sold in response to changes in interest rates, prepayment risk or other similar factors.

 

The amortization of premiums and accretion of discounts are recognized in interest income using the effective interest method over the period to maturity for discounts and the earlier of call date or maturity for premiums. Realized gains and losses on dispositions are based on the net proceeds and the adjusted book value of the securities sold, using the specific identification method. Realized gains (losses) on securities available-for-sale are included in noninterest income and, when applicable, are reported as a reclassification adjustment, net of tax, in other comprehensive income. Unrealized gains and losses on investment securities available for sale are based on the difference between book value and fair value of each security. These gains and losses are credited or charged to other comprehensive income, net of tax, whereas realized gains and losses flow through the statements of income.

 

Loans held for sale – Mortgage loans originated and intended for sale in the secondary market are carried at the lower of aggregate cost or fair value, as determined by outstanding commitments from investors. Net unrealized losses, if any, are recorded as a valuation allowance through earnings. Mortgage loans held for sale are generally sold with servicing released. Gains and losses on sales of mortgages are based on the difference between the selling price and the carrying value of the related loan sold.

 

Loans – Loans are carried on the balance sheet at unpaid principal balance, net of any unearned interest and the allowance for loan losses. Interest income on loans is computed using the effective interest method, except where serious doubt exists as to the collectability of the loan, in which case accrual of the income is discontinued.

It is the Company’s policy to stop accruing interest on a loan, and classify that loan as non-accrual under the following circumstances: (a) whenever we are advised by the borrower that scheduled payment or interest payments cannot be met, (b) when our best judgment indicates that payment in full of principal and interest can no longer be expected, or (c) when any such loan or obligation becomes delinquent for 90 days unless it is both well secured and in the process of collection. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income, except in the case of a nonaccrual loan that is well secured and in the process of collection, in which case, the interest accrued but not collected is not reversed. The interest on these loans is accounted for on the cash basis or cost-recovery method, until qualifying for return to accrual status. Generally, loans are returned to accrual status when all the principal and interest amounts contractually due are brought current, six consecutive timely payments are made, and prospects for future contractual payments are reasonably assured.

 

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 for commercial and construction loans 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.

 

Significant Group Concentrations of Credit Risk – The Company identifies a concentration as any obligation, direct or indirect, of the same or affiliated interests which represent 25% or more of the Company’s capital structure, or $15.9 million as of December 31, 2021. Most of the Company’s activities are with customers located within southwest Virginia, southern West Virginia, northeastern Tennessee region and western North Carolina. Certain concentrations may pose credit risk. The Company does not have any significant concentrations to any one industry or customer.

 

Allowance for Loan Losses – The allowance for loan losses is maintained at a level that, in management’s judgment, is adequate to absorb credit losses inherent in the loan portfolio. The loan portfolio is analyzed periodically and loans are assigned a risk rating. Allowances for impaired loans are generally determined based on collateral values or the present value of expected cash flows. A general allowance is made for all other loans not considered impaired as deemed appropriate by management. In determining the adequacy of the allowance, management considers the following factors: the nature of the portfolio, credit concentrations, trends in historical loss experience, specific impaired loans, the estimated value of any underlying collateral, prevailing environmental factors and economic conditions, and other inherent risks. While management uses available information to recognize losses on loans, further reductions in the carrying amounts of loans may be necessary based on changes in collateral values and changes in estimates of cash flows on impaired loans. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.

 

The allowance is increased by a provision for loan losses, which is charged to expense and reduced by charge-offs, net of recoveries. Loans are charged against the allowance for loan losses when management believes that collectability of all or part of the principal is unlikely. Past due status is determined based on contractual terms.

 

In regard to our consumer and consumer real estate loan portfolio, the Company uses the guidance found in the Uniform Retail Credit Classification and Account Management Policy which affects our estimate of the allowance for loan losses. Under this approach, a consumer or consumer real estate loan must initially have a credit risk grade of Pass or better. Subsequently, if the loan becomes contractually 90 days past due or the borrower files for bankruptcy protection, the loan is downgraded to Substandard and placed in nonaccrual status. If the loan is unsecured, upon being deemed Substandard, the entire loan amount is charged off. For non-1-4 family residential loans that are 90 days past due or greater, or in bankruptcy, the collateral value less estimated liquidation costs is compared to the loan balance to calculate any potential deficiency. If the collateral is sufficient then no charge-off is necessary. If a deficiency exists, then upon the loan becoming contractually 120 days past due, the deficiency is charged-off against the allowance for loan loss. In the case of 1-4 family residential or home equity loans, upon the loan becoming 120 days past due, a current value is obtained and after application of an estimated liquidation discount, a comparison is made to the loan balance to calculate any deficiency. Subsequently, any noted deficiency is then charged-off against the allowance for loan loss when the loan becomes contractually 180 days past due. If the customer has filed bankruptcy, then within 60 days of the bankruptcy notice, any calculated deficiency is charged-off against the allowance for loan loss. Collection efforts continue by means of repossessions or foreclosures, and upon bank ownership, liquidation ensues.

Bank Premises and Equipment – Land, buildings and equipment are recorded at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the following estimated useful lives:

 

   
Type   Estimated useful life
Buildings   39 years
Paving and landscaping   15 years
Computer equipment and software   3 to 5 years
Vehicles   5 years
Furniture and other equipment   5 to 10 years

Leasehold improvements are amortized over the terms of the respective leases or the estimated useful lives of the improvements, whichever is shorter. Repairs and maintenance costs are recorded as a component of noninterest expense as incurred.

Other Real Estate Owned – Other real estate owned represents properties acquired through foreclosure or deeds taken in lieu of foreclosure and former branch sites that have been closed and for which there are no intentions to re-open or otherwise use the location. At the time of acquisition, these properties are recorded at fair value less estimated costs to sell. Expenses incurred in connection with operating these properties and subsequent write-downs, if any, are charged to operations. Subsequent to foreclosure, management periodically considers the adequacy of the reserve for losses on the property. Gains and losses on the sales of these properties are credited or charged to income in the year of the sale.

 

Bank Owned Life Insurance (BOLI) – The Bank purchased life insurance policies on certain, now-former, key officers and employees. BOLI is recorded at the cash surrender value. Tax-exempt income from changes in the net cash surrender value are recorded in noninterest income.

 

Leases – A right-of-use asset and related lease liability is recognized for operating leases the Bank has entered into for certain office facilities. Most leases include one or more options to renew. The exercise of lease renewal options is typically at the sole discretion of management. If it is determined that it is reasonably certain that the Bank will exercise renewal options, the additional term is included in the calculation of the lease liability. As most of our leases do not provide an implicit rate, we use the fully collateralized Federal Home Loan Bank borrowing rate, commensurate with the lease terms at the lease commencement date in determining the present value of the lease payments.

 

Income Taxes – Deferred tax assets or liabilities are computed based upon the difference between financial statement and income tax bases of assets and liabilities using the enacted marginal tax rate. The Company provides a valuation allowance on its net deferred tax assets where it is more likely than not such assets will not be realized. At December 31, 2021 and 2020, the Company had no valuation allowance on its net deferred tax assets.

 

The Company recognizes the tax benefit from an uncertain tax position only if it is more likely than not the tax position will be sustained on examination by the taxing authorities, based on the technical merits of the position. The tax benefits recognized in the financial statements from such positions are then measured based on the largest benefit that has a greater than 50% likelihood of being realized upon settlement. See Note 10, Income Taxes, for additional information. The Company records any penalties and interest attributed to uncertain tax positions as a component of income tax expenses.

 

Income Per Share – Basic income per share computations are based on the weighted average number of shares outstanding during each period. Dilutive earnings per share reflect the additional common shares that would have been outstanding if dilutive potential common shares had been issued.

 

Financial Instruments – Off-balance-sheet instruments - In the ordinary course of business, the Company has entered into commitments to extend credit. Such financial instruments are recorded in the financial statements when they are funded.

 

Financial Instruments – Fair Value – Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully discussed in Note 22. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risks, prepayments and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or market conditions could significantly affect these estimates.

Comprehensive Income – GAAP require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities, are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive income. The change in unrealized gains and losses on available-for-sale securities is the Company’s only component of other comprehensive income.

 

Revenue from Contracts with Customers - The Company generally satisfies its performance obligations fully on its contracts with customers as services are rendered; and the transaction prices are typically fixed, charged either on a periodic basis or based on activity.

 

Advertising Cost – Advertising costs are expensed in the period incurred. Those costs, which are included in Advertising, sponsorships and donations in Note 24 totaled $252 thousand and $216 thousand, for the years ended December 31, 2021 and 2020, respectively.

 

Reclassification – Certain reclassifications have been made to the prior years’ financial statements to place them on a comparable basis with the current year. Net income and stockholders’ equity previously reported were not affected by these reclassifications.

 

Subsequent Events – The Company has evaluated subsequent events for potential recognition and/or disclosure through the date these consolidated financial statements were issued. See Note 25 Subsequent Events for additional information.

 

 
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INCOME PER SHARE
 12 Months Ended
Dec. 31, 2021
Income Per Share  
INCOME PER SHARE

NOTE 3 INCOME PER SHARE

 

Basic income per share computations are based on the weighted average number of shares outstanding during each year. Dilutive earnings per share reflect the additional common shares that would have been outstanding if dilutive potential common shares had been issued. For the years ended December 31, 2021 and 2020, there were no dilutive potential common shares. Basic and diluted net income per common share calculations follows:

 

          
(Amounts in thousands, except  For the year ended
share and per share data)  December 31,
   2021  2020
Net income  $7,010   $2,890 
Weighted average shares outstanding   23,922,086    23,922,086 
Weighted average dilutive shares outstanding   23,992,086    23,992,086 
Basic and diluted income per share  $0.29   $0.12 

 

 
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INVESTMENT SECURITIES
 12 Months Ended
Dec. 31, 2021
     Investment securities activity:  
INVESTMENT SECURITIES

NOTE 5 INVESTMENT SECURITIES

 

The amortized cost and estimated fair value of securities (all available-for-sale) as of December 31, 2021 and December 31, 2020 are as follows:

                    
      Gross  Gross  Approximate
   Amortized  Unrealized  Unrealized  Fair
(Dollars are in thousands)  Cost  Gains  Losses  Value
December 31, 2021                    
U.S. Treasuries   7,791   $2   $122   $7,671 
U.S. Government Agencies   9,098    77    86    9,089 
Taxable municipals   23,075    159    254    22,980 
Corporate bonds   2,014    23    18    2,019 
Mortgage backed securities   66,410    143    954    65,599 
Total Securities available for sale   108,388   $404   $1,434   $107,358 
December 31, 2020                    
U.S. Government Agencies   13,852   $322   $67   $14,107 
Taxable municipals   5,157    188    —      5,345 
Corporate bonds   5,893    186    31    6,048 
Mortgage backed securities   22,565    388    47    22,906 
Total Securities available for sale   47,467   $1,084   $145   $48,406 

 

 

The following table details unrealized losses and related fair values in the available-for-sale portfolio. This information is aggregated by the length of time that individual securities have been in a continuous unrealized loss position as of December 31, 2021 and December 31, 2020.

 

                              
   Less than 12 Months  12 Months or More  Total

 

(Dollars are in thousands)

  Fair Value 

Unrealized

Losses

 

Fair

Value

 

Unrealized

Losses

 

Fair

Value

 

Unrealized

Losses

December 31, 2021                  
U.S. Treasuries  $6,200   $122   $—     $—     $6,200   $122 
U.S. Government Agencies   977    10    3,434    76    4,411    86 
Taxable municipals   13,040    237    387    17    13,427    254 
Corporate bonds   1,482    18    —      —      1,482    18 
Mtg. backed securities   52,180    758    6,282    196    58,462    954 
Total Securities AFS  $73,879   $1,145   $10,103   $289   $83,982   $1,434 
                               
December 31, 2020                              
U.S. Government Agencies  $1,479   $12   $3,829   $55   $5,308   $67 
Taxable municipals   —      —      —      —      —      —   
Corporate bonds   1,219    31    —      —      1,219    31 
Mtg. backed securities   7,517    44    218    3    7,735    47 
Total Securities AFS  $10,215   $87   $4,047   $58   $14,262   $145 
                               

 

At December 31, 2021, the available-for-sale portfolio included 113 investments for which the fair market value was less than amortized cost. At December 31, 2020, the available-for-sale portfolio included 42 investments for which the fair market value was less than amortized cost. Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, 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 conditions 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 recovery in fair value. Based on the Company’s analysis, the Company concluded that no securities had other-than-temporary impairment at December 31, 2021 or December 31, 2020.

 

Investment securities with a carrying value of $12.1 million and $6.8 million at December 31, 2021 and 2020, respectively, were pledged to secure public deposits and for other purposes required by law.

 

During the year ended December 31, 2021, $7.7 million of securities were sold, realizing $322 thousand in gains. During the year ended December 31, 2020, $1.0 million of securities were sold, realizing $4 thousand in gains.

 

The amortized cost and fair value of investment securities at December 31, 2021, by contractual maturity, are shown in the following schedule. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Also, actual maturities may differ from scheduled maturities on amortizing securities, such as mortgage-backed securities and collateralized mortgage obligations, because the underlying collateral on these types of securities may be repaid prior to the scheduled maturity date.

     
  Weighted
(Dollars are in thousands) Amortized   Fair   Average
Securities Available for Sale Cost   Value   Yield
Due in one year or less $ 1,051 $ 1,060   2.56%
Due after one year through five years 7,858 7,804 1.41%
Due after five years through ten years   12,819   12,747   1.54%
Due after ten years   86,660   85,747   1.61%
Total $ 108,388 $ 107,358   1.59%

 

The Bank, as a member of the Federal Reserve Bank and the Federal Home Loan Bank of Atlanta (FHLB), is required to hold stock in each. The Bank also owns stock in CBB Financial Corp., which is a correspondent of the Bank. These equity securities, which are included in Other Assets on the consolidated balance sheet, are restricted from trading and are recorded at a cost of $2.0 million and $2.6 million at December 31, 2021 and 2020, respectively. The stock has no quoted market value and no ready market exists.

 
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LOANS
 12 Months Ended
Dec. 31, 2021
Receivables [Abstract]  
LOANS

NOTE 6 LOANS

 

Loans receivable outstanding at December 31, 2021 and 2020, are summarized as follows:

 

          
   December 31,
(Dollars are in thousands)  2021  2020
Real estate secured:          
Commercial  $206,162   $179,381 
Construction and land development   32,325    25,031 
Residential 1-4 family   224,530    222,980 
Multifamily   33,048    16,569 
Farmland   18,735    18,368 
Total real estate loans   514,800    462,329 
Commercial   54,325    86,010 
Agriculture   4,021    4,450 
Consumer installment loans   18,756    20,632 
All other loans   1,842    2,145 
Total loans  $593,744   $575,566 

 

 

Included in commercial loans at December 31, 2021 and 2020, were $6.4 million and $34.8 million of PPP loans that are guaranteed by the SBA.

 

Also included in total loans above are deferred loan fees of $1.8 million and $2.3 million, at December 31, 2021 and 2020, respectively, which include deferred PPP loan fees. Deferred loan costs were $2.0 million and $1.8 million, at December 31, 2021 and 2020, respectively. Income from net deferred fees and costs is recognized as income over the lives of the respective loans as a yield adjustment. If loans repay prior to scheduled maturities any unamortized fee or cost is recognized at that time.

 

As a result of PPP originations during 2021 and 2020, net deferred fees totaling $1.6 million and $1.6 million were received, respectively, and $2.0 million and $994 thousand was recognized through earnings, respectively.

 

Loans receivable on nonaccrual status at December 31, 2021 and 2020 are summarized as follows:

 

          
(Dollars are in thousands)  2021  2020
Real estate secured:          
Commercial  $415   $2,225 
Construction and land development   37    57 
Residential 1-4 family   2,314    2,700 
Multi-family   111    —   
Farmland   48    101 
Total real estate loans   2,925    5,083 
Commercial   9    453 
Consumer installment and other loans   7    12 
Total loans receivable on nonaccrual status  $2,941   $5,548 

 

Total interest income not recognized on nonaccrual loans for 2021 and 2020 was $223 thousand and $494 thousand, respectively.

 

No accounts received pandemic related forbearance in 2021. During the year ended December 31, 2020, under the provisions of the CARES Act or related guidance issued by banking regulators, modifications, mainly in the form of short-term payment deferrals, were granted on 786 loans totaling $119.6 million. At December 31, 2021, 543 accounts totaling $82.4 million remain, of which 538 accounts totaling $82.3 million are current or less than 90 days past due. All of these accounts are subject to a normal repayment schedule. No accounts at December 31, 2021 were subject to pandemic related forbearance. At December 31, 2020, 673 loans totaling $110.7 million had completed their forbearance period and resumed a normal payment schedule, and 15 loans totaling $836 thousand remained in forbearance. At December 31, 2020, the remaining 98 accounts had been repaid in full or refinanced at market terms and conditions.

 

Of the accounts that received some form of forbearance during 2020, at December 31, 2021, $15.2 million were to lessors of residential properties, $12.8 to lessors of nonresidential properties and $6.7 million to hotels and restaurants; while at December 31, 2020, $21.4 million were to lessors of residential properties, $16.0 million to lessors of non-residential properties, $12.4 million to hotels and restaurants, and $6.0 million to coal and gas mining operations.

 

 

The following table presents information concerning the Company’s investment in loans considered impaired as of December 31, 2021 and December 31, 2020:

 

                         

 

As of December 31, 2021

(Dollars are in thousands)

 

Average

Recorded

Investment

 

Interest

Income

Recognized

 

 

Recorded

Investment

  Unpaid Principal Balance 

 

Related

Allowance

With no related allowance recorded:                         
Real estate secured:                         
Commercial  $245   $—     $99   $140   $—   
Construction and land development   64    18    24    298    —   
Residential 1-4 family   1,720    24    1,508    1,791    —   
Multifamily   —      —      —      —      —   
Farmland   438    14    320    490    —   
Commercial   —      —      —      —      —   
Agriculture   —      —      —      —      —   
Consumer installment loans   3    —      2    2    —   
All other loans   —      —      —      —      —   
With an allowance recorded:                         
Real estate secured:                         
Commercial   871    3    315    372    94 
Construction and land development   —      —      —      —      —   
Residential 1-4 family   338    6    340    372    53 
Multifamily   —      —      —      —      —   
Farmland   121    4    197    209    17 
Commercial   109    1    28    35    2 
Agriculture   —      —      —      —      —   
Consumer installment loans   —      —      —      —      —   
All other loans   —      —      —      —      —   
Total  $3,909   $70   $2,833   $3,709   $166 

 

 

As of December 31, 2020

(Dollars are in thousands)

 

 

Average

Recorded

Investment

 

 

Interest

Income

Recognized

 

 

 

Recorded

Investment

 

 

Unpaid Principal Balance

 

 

 

Related

Allowance

With no related allowance recorded:                         
Real estate secured:                         
Commercial  $1,680   $16   $385   $386   $—   
Construction and land development   89    18    99    376    —   
Residential 1-4 family   1,788    53    1,662    1,898    —   
Multifamily   —      —      —      —      —   
Farmland   550    59    391    560    —   
Commercial   59    —      —      —      —   
Agriculture   —      —      —      —      —   
Consumer installment loans   4    —      5    6    —   
All other loans   —      —      —      —      —   
With an allowance recorded:                         
Real estate secured:                         
Commercial   707    —      1,566    1,678    574 
Construction and land development   —      —      —      —      —   
Residential 1-4 family   150    3    337    365    72 
Multifamily   —      —      —      —      —   
Farmland   212    9    208    220    2 
Commercial   214    12    429    437    404 
Agriculture   —      —      —      —      —   
Consumer installment loans   —      —      —      —      —   
All other loans   —      —      —      —      —   
Total  $5,453   $170   $5,082   $5,926   $1,052 

 

 

An age analysis of past due loans receivable is below. At December 31, 2021 and 2020, there were no loans over 90 days past due that were accruing.

                              

 

 

 

 

As of December 31, 2021

(Dollars are in thousands)

 

 

Loans

30-59

Days

Past

Due

 

 

Loans

60-89

Days

Past

Due

 

Loans

90 or

More

Days

Past

Due

 

 

 

Total

Past

Due

Loans

 

 

 

 

 

Current

Loans

 

 

 

 

 

Total

Loans

Real estate secured:                              
Commercial  $—     $—     $—     $—     $206,162   $206,162 

Construction and land

development

   7    —      7    14    32,311    32,325 
Residential 1-4 family   2,473    240    486    3,199    221,331    224,530 
Multifamily   —      —      111    111    32,937    33,048 
Farmland   —      —      —      —      18,735    18,735 
Total real estate loans   2,480    240    604    3,324    511,476    514,800 
Commercial   5    —      —      5    54,320    54,325 
Agriculture   —      —      —      —      4,021    4,021 

Consumer installment

Loans

   56    5    —      61    18,695    18,756 
All other loans   —      —      —      —      1,842    1,842 
Total loans  $2,541   $245   $604   $3,390   $590,354   $593,744 

 

 

 

 

 

As of December 31, 2020

(Dollars are in thousands)

 

 

Loans

30-59

Days

Past

Due

 

 

Loans

60-89

Days

Past

Due

 

Loans

90 or

More

Days

Past

Due

 

 

 

Total

Past

Due

Loans

 

 

 

 

 

Current

Loans

 

 

 

 

 

Total

Loans

Real estate secured:                              
Commercial  $969   $—     $—     $969   $178,412   $179,381 

Construction and land

development

   64    —      —      64    24,967    25,031 
Residential 1-4 family   5,717    615    690    7,022    215,958    222,980 
Multifamily   —      —      —      —      16,569    16,569 
Farmland   57    —      —      57    18,311    18,368 
Total real estate loans   6,807    615    690    8,112    454,217    462,329 
Commercial   214    —      —      214    85,796    86,010 
Agriculture   7    1    —      8    4,442    4,450 

Consumer installment

Loans

   214    22    —      236    20,396    20,632 
All other loans   —      —      —      —      2,145    2,145 
Total loans  $7,242   $638   $690   $8,570   $566,996   $575,566 

 

 

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

 

Pass - Loans in this category are considered to have a low likelihood of loss based on analysis of relevant information about the ability of the borrowers to service their debt and other factors.

 

Special Mention - Loans in this category are currently protected but are potentially weak, including adverse trends in borrower’s operations, credit quality or financial strength. Those loans constitute an undue and unwarranted credit risk but not to the point of justifying a substandard classification. The credit risk may be relatively minor yet constitute an unwarranted risk in light of the circumstances.  Special mention loans have potential weaknesses which may, if not checked or corrected, weaken the loan or inadequately protect the Company’s credit position at some future date.

 

Substandard - A substandard loan is inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans classified as substandard must 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 Doubtful have all the weaknesses inherent in loans classified Substandard, plus 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. There were no loans classified as doubtful at either December 31, 2021 or 2020.

 

Based on the most recent analysis performed, the risk category of loans receivable was as follows:

                         

 

As of December 31, 2021

(Dollars are in thousands)

 

 

 

Pass

 

 

Special

Mention

 

 

 

Substandard

 

 

 

Doubtful

 

 

 

Total

Real estate secured:                         
Commercial  $198,022   $7,725   $415   $—     $206,162 
Construction and land development   31,366    922    37    —      32,325 
Residential 1-4 family   221,342    915    2,273    —      224,530 
Multifamily   32,499    438    111    —      33,048 
Farmland   18,137    550    48    —      18,735 
Total real estate loans   501,366    10,550    2,884    —      514,800 
Commercial   53,162    1,154    9    —      54,325 
Agriculture   4,021    —      —      —      4,021 
Consumer installment loans   18,746    2    8    —      18,756 
All other loans   1,842    —      —      —      1,842 
Total  $579,137   $11,706   $2,901   $—     $593,744 

 

 

 

As of December 31, 2020

(Dollars are in thousands)

 

 

 

Pass

 

 

Special

Mention

 

 

 

Substandard

 

 

 

Doubtful

 

 

 

Total

Real estate secured:                         
Commercial  $171,212   $6,112   $2,057   $—     $179,381 
Construction and land development   23,168    1,806    57    —      25,031 
Residential 1-4 family   218,947    1,304    2,729    —      222,980 
Multifamily   16,337    232    —      —      16,569 
Farmland   17,019    1,249    100    —      18,368 
Total real estate loans   446,683    10,703    4,943    —      462,329 
Commercial   81,846    3,711    453    —      86,010 
Agriculture   4,255    195    —      —      4,450 
Consumer installment loans   20,615    5    12    —      20,632 
All other loans   2,145    —      —      —      2,145 
Total  $555,544   $14,614   $5,408   $—     $575,566 
                          

 
XML 25 R13.htm IDEA: XBRL DOCUMENT v3.22.1
ALLOWANCE FOR LOAN LOSSES
 12 Months Ended
Dec. 31, 2021
Receivables [Abstract]  
ALLOWANCE FOR LOAN LOSSES

NOTE 7 ALLOWANCE FOR LOAN LOSSES

 

The following tables present activity in the allowance for loan losses for the years ended December 30, 2021 and 2020. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. Additionally, the allocation of the allowance by recorded portfolio segment and impairment method is presented as of December 30, 2021 and 2020.

 

                                       
     Real estate secured                     
 (Dollars are in thousands)     Commercial     Construction and Land Development     Residential 1-4 family     Multifamily     Farmland     Commercial     Agriculture     Consumer and All Other     Unallocated     Total 
 Year ended December 31, 2021                                       
 Beginning balance   $          2,281  $                233  $          1,951  $             151  $                97  $          2,275  $                40  $             163  $                 -     $          7,191
 Charge-offs              (915)                    -                  (48)                  -                     -                  (92)                  -                  (78)                  -            (1,133)
 Recoveries                    2                     6                 85                  -                    29              137                   1                 45                  -                 305
 Provision               766                 (50)              249              103                 23         (1,221)               (13)               (22)              537              372
 Ending balance   $          2,134  $                189  $          2,237  $             254  $             149  $          1,099  $                28  $             108  $             537  $          6,735
                                         
 Allowance for loan losses at December 31, 2021                                 
 Individually evluated for impairment   $                94  $                   -     $                53  $                 -     $                17  $                  2  $                 -     $                 -     $                 -     $             166
 Collectively evaluated for impairment            2,040                 189           2,184              254              132           1,097                 28              108              537           6,569
Total   $          2,134  $                189  $          2,237  $             254  $             149  $          1,099  $                28  $             108  $             537  $          6,735
                                         
 Loans at December 31, 2021                                         
 Individually evluated for impairment   $             414  $                  24  $          1,848  $                 -     $             517  $                28  $                 -     $                  2  $                 -     $          2,833
 Collectively evaluated for impairment       205,748           32,301      222,682         33,048         18,218         54,297           4,021         20,596                  -         590,911
Total   $     206,162  $          32,325  $     224,530  $        33,048  $        18,735  $        54,325  $          4,021  $        20,598  $                 -     $     593,744

 

                                         
     Real estate secured                     
 (Dollars are in thousands)     Commercial     Construction and Land Development     Residential 1-4 family     Multifamily     Farmland     Commercial     Agriculture     Consumer and All Other     Unallocated     Total 
 Year ended December 31, 2020                                       
 Beginning balance   $          1,248  $                158  $          1,736  $             104  $             109  $          1,789  $                27  $             195  $                  2  $          5,368
 Charge-offs                (65)                    -                (165)                  -                  (42)             (329)               (15)               (85)                  -                (701)
 Recoveries                  57                    -                    38                  -                    33                 40                   1                 55                  -                 224
 Provision            1,041                   75              342                 47                 (3)              775                 27                 (2)                 (2)           2,300
 Ending balance   $          2,281  $                233  $          1,951  $             151  $                97  $          2,275  $                40  $             163  $                 -     $          7,191
                                         
 Allowance for loan losses at December 31, 2020                                 
 Individually evluated for impairment   $             574  $                   -     $                72  $                 -     $                  2  $             404  $                 -     $                 -     $                 -     $          1,052
 Collectively evaluated for impairment            1,707                 233           1,879              151                 95           1,871                 40              163                  -              6,139
Total   $          2,281  $                233  $          1,951  $             151  $                97  $          2,275  $                40  $             163  $                 -     $          7,191
                                         
 Loans at December 31, 2020                                         
 Individually evluated for impairment   $          1,951  $                  99  $          1,999  $                 -     $             599  $             429  $                 -     $                  5  $                 -     $          5,082
 Collectively evaluated for impairment       177,430           24,932      220,981         16,569         17,769         85,581           4,450         22,772                  -         570,484
Total   $     179,381  $          25,031  $     222,980  $        16,569  $        18,368  $        86,010  $          4,450  $        22,777  $                 -     $     575,566


 

In determining the amount of our allowance, we rely on an analysis of our loan portfolio, our experience and our evaluation of general economic conditions. If our assumptions prove to be incorrect, our current allowance may not be sufficient to cover future loan losses and we may experience significant increases to our provision. Due to the underlying SBA guarantee provided for PPP loans, these accounts were not included in either the portfolio segment or impairment calculations at December 31, 2021 and 2020. Additionally, due to uncertainties presented by the ongoing pandemic and the resulting economic uncertainty, internal and external qualitative factors were revised accordingly. For 2021, external qualitative factors were adjusted to consider the impact of inflation.

 

 
XML 26 R14.htm IDEA: XBRL DOCUMENT v3.22.1
BANK PREMISES AND EQUIPMENT
 12 Months Ended
Dec. 31, 2021
Property, Plant and Equipment [Abstract]  
BANK PREMISES AND EQUIPMENT

NOTE 9 BANK PREMISES AND EQUIPMENT

Depreciation expense for 2021 and 2020 was $2.1 million and $2.2 million, respectively. Bank premises and equipment at December 31, 2021 and 2020 are summarized as follows:

 

          
(Dollars are in thousands)  2021  2020
Land  $7,424   $7,796 
Buildings and improvements   16,252    16,227 
Furniture and equipment   14,139    16,253 
Construction in progress   —      1,025 
    37,815    43,008 
Less accumulated depreciation   (17,080)   (18,726)
Bank Premises and Equipment  $20,735   $22,174 

 

During the year ended December 31, 2021, the Bank sold four former branch locations, with net book values of approximately $1.1 million, resulting in approximately $173 thousand of net gains on sales.

 

Also, during 2021, the Bank transferred three other former branch locations, with net book values totaling approximately $2.0 million, to other real estate owned, resulting in an increase to OREO of $950 thousand, and disposal and valuation costs of approximately $1.1 million. Subsequently, in December 2021, these OREO properties were written down to $912 thousand. Equipment with a combined net book value of $188 thousand were written off in 2021.

 

One new branch office, in Bristol, Virginia, was opened in 2021, resulting in an increase of $2.7 million in premises and equipment. During 2020, the Bank opened a new branch office in Kingsport, Tennessee, and a loan production office in Boone, North Carolina.

 

As presented in Note 17 Leasing Activities, during 2021, the Bank repurchased the branch office located in Lebanon, Virginia, which had previously been sold and leased back.

 

 
XML 27 R15.htm IDEA: XBRL DOCUMENT v3.22.1
INCOME TAXES
 12 Months Ended
Dec. 31, 2021
Income Tax Disclosure [Abstract]  
INCOME TAXES

NOTE 10 INCOME TAXES

 

The Company files a consolidated federal income tax return. The following summarizes the provision for income taxes and the related deferred tax components for the years ended December 31, 2021 and 2020.

 

The source of pre-tax book income is summarized as follows for the years ended December 31, 2021 and 2020:

 

          
(Dollars are in thousands)  2021  2020

 

Pre-tax book income

          
      Domestic  $8,952   $3,993 
Total pre-tax book income  $8,952   $3,993 

 

Income tax expense is summarized as follows for the years ended December 31, 2021 and 2020:

 

          
(Dollars are in thousands)  2021  2020

 

Current income tax expense (benefit)

          
     Federal  $(172)  $(200)
     State   —      —   
Total current income tax expense (benefit)   (172)   (200)

 

Deferred income tax expense      
     Federal   2,067    1,304 
     State   47    (1)
Total deferred income tax expense   2,114    1,303 
Income tax expense  $1,942   $1,103 

 

 

The following table summarizes the differences between the actual income tax expense and the amounts computed using the federal statutory tax rate of 21% for years ended December 31, 2021 and 2020, respectively:

 

          
(Dollars are in thousands)  2021  2020
Income tax expense (benefit) at the applicable federal rate  $1,879   $839 
Permanent differences resulting from:          
     Nondeductible expenses   7    8 
     Tax exempt interest income   (4)   (7)
     Bank owned life insurance   (7)   (16)
Other adjustments   67    279 
Income tax expense  $1,942   $1,103 

 

The net deferred tax assets and liabilities resulting from temporary differences as of December 31, 2021 and 2020, are summarized as follows:

 

          
(Dollars are in thousands)  2021  2020
Deferred Tax Assets          
     Allowance for loan losses  $1,500   $1,568 
     Deferred compensation   85    92 
     Nonaccrual loan interest   532    490 
     Unrealized loss on securities available for sale   216    —   
     Other real estate owned   305    83 
     Amortization of core deposits   6    18 
     Amortization of goodwill   31    90 
     Capitalized interest and repair expense   23    23 
     Net operating loss carryforward   460    2,172 
     Other   98    33 
Total Assets, gross   3,256    4,569 
Valuation allowance   —      —   
Total Assets, net   3,256    4,569 
Deferred Tax Liabilities          
     Accelerated depreciation   1,105    869 
     Unrealized gain on securities available for sale   —      197 
     Prepaid expenses   27    22 
     Deferred loan costs   451    355 
Total Liabilities, gross   1,583    1,443 
Net Deferred Tax Asset  $1,673   $3,126 

 

 

In accordance with applicable accounting guidance, the Company determined that it was not required to establish a valuation allowance for deferred tax assets as it is more likely than not that the deferred tax asset will be realized through future taxable income, future reversals of existing taxable temporary differences and tax strategies. The Company’s net deferred tax asset is recorded in the consolidated financial statements separately.

 

At December 31, 2021 and 2020, the Company had no unrecognized tax benefits. The Company does not expect the total amount of unrecognized tax benefits to increase significantly over the next twelve months. The company recognizes interest and penalties as a component of income tax expense.

 

The Company and Bank are subject to U. S. federal income tax, a capital-based franchise tax in the Commonwealth of Virginia; and income and excise taxes in West Virginia, Tennessee and North Carolina, respectively, based on earnings realized from business activities within each state. Years prior to 2018 are no longer subject to examination by taxing authorities.

 

 
XML 28 R16.htm IDEA: XBRL DOCUMENT v3.22.1
RELATED PARTY TRANSACTIONS
 12 Months Ended
Dec. 31, 2021
Related Party Transactions [Abstract]  
RELATED PARTY TRANSACTIONS

NOTE 12 RELATED PARTY TRANSACTIONS

 

Officers, directors (and companies controlled by them), principal shareholders, and associates were customers of and had loan transactions with the Bank in the normal course of business. The following table summarizes these transactions, which were made on substantially the same terms as those prevailing for other customers and did not involve any abnormal risk.

 

          
  For the year ended December 31,
(Dollars in thousands)  2021  2020
Beginning balance  $4,187   $2,457 
New loans and advances on lines   2,620    4,567 
Payments and other reductions   (3,388)   (2,837)
Ending balance  $3,419   $4,187 

 

Total related party deposits held at the Bank were $24.8 million and $21.5 million as of December 31, 2021 and 2020, respectively.

 

NPB Insurance Services, Inc. holds a 39% membership interest in Lonesome Pine Title Agency, LLC, which provides title insurance. Another member of the agency is a related party to the Company.

 

In August, 2021, the Bank sold a parcel of land, adjacent to the Grundy, Virginia office to a director for $150 thousand, which approximated the fair value of the property. A gain of $17 thousand was recorded from this transaction.

 
XML 29 R17.htm IDEA: XBRL DOCUMENT v3.22.1
RETIREMENT PLANS
 12 Months Ended
Dec. 31, 2021
Retirement Benefits [Abstract]  
RETIREMENT PLANS

NOTE 13 RETIREMENT PLANS

The Company has established a qualified defined contribution plan that covers all full-time employees. The Company matches employee contributions up to a maximum of 3% of their salary. The Company contributed $246 thousand and $258 thousand to the defined contribution plan for 2021 and 2020, respectively.

 

The Bank maintains a salary continuation plan for key executives which was established in 2002 and is funded by single premium life insurance policies. Expenses related to the plan were $29 thousand and $17 thousand for the years ended December 31, 2021 and 2020, respectively.

 

 
XML 30 R18.htm IDEA: XBRL DOCUMENT v3.22.1
OTHER REAL ESTATE OWNED
 12 Months Ended
Dec. 31, 2021
Real Estate [Abstract]  
OTHER REAL ESTATE OWNED

NOTE 14 OTHER REAL ESTATE OWNED

 

The following table summarizes the activity in other real estate owned for the years ended December 31, 2021 and 2020:

 

          
   2021  2020
(Dollars are in thousands)          
Balance, beginning of year  $3,334   $3,393 
Additions   566    1,128 
Transfers from premises and equipment   950    —   
Proceeds from sales   (2,645)   (687)
Proceeds from insurance claims   (54)   —   
Loans made to finance sales   (400)   (428)
Adjustment of carrying value   (466)   (132)
Gains (losses) from sales   76    60 
Balance, end of year  $1,361   $3,334 

 
XML 31 R19.htm IDEA: XBRL DOCUMENT v3.22.1
DIVIDEND LIMITATIONS ON SUBSIDIARY BANK
 12 Months Ended
Dec. 31, 2021
Equity [Abstract]  
DIVIDEND LIMITATIONS ON SUBSIDIARY BANK

NOTE 16 DIVIDEND LIMITATIONS ON SUBSIDIARY BANK

 

A principal source of funds for the Company is dividends paid by the Bank. The Federal Reserve Act restricts the amount of dividends the Bank may pay. Approval by the Board of Governors of the Federal Reserve System is required if the dividends declared by a state member bank, in any year, exceed the sum of (1) net income of the current year and (2) income net of dividends for the preceding two years.

 

Virginia law restricts the amount of dividends a Virginia corporation may pay. Generally, a Virginia corporation may not authorize and make distributions if, after giving effect to the distribution, it would be unable to meet its debts as they become due in the usual course of business or if the corporation’s total assets would be less than the sum of its total liabilities plus the amount that would be needed, if it were dissolved at that time, to satisfy the preferential rights of shareholders whose rights are superior to the rights of those receiving the distribution. In addition, the payment of distributions to shareholders is subject to any prior rights of outstanding preferred stock.

 
XML 32 R20.htm IDEA: XBRL DOCUMENT v3.22.1
LEASING ACTIVITIES
 12 Months Ended
Dec. 31, 2021
Leases [Abstract]  
LEASING ACTIVITIES

NOTE 17 LEASING ACTIVITIES

 

During 2021, the Bank repurchased its branch office located in Lebanon, Virginia, for $1.3 million. This branch had previously been sold and leased back in September 2019. As a result of the repurchase, the lease with a remaining term of 12.9 years was cancelled.

 

At December 31, 2021, the Bank leases four branch offices and sublets a lot adjacent to another branch office. The lease agreements have maturity dates ranging from May 2032 to December 2041. It is assumed that there are currently no circumstances in which the leases would be terminated prior to expiration. The weighted average remaining life of the lease terms at December 31, 2021, was 10.61 years.

 

The discount rate used in determining the lease liability for each individual lease was the FHLB fixed advance rate which corresponded to the lease term for each transaction. This methodology is expected to be used for any other subsequent lease agreements. The weighted average discount rate for the leases at December 31, 2021 was 3.24%.

 

The Company’s operating lease costs for the years ended December 31, 2021 and 2020, as a result of the transactions discussed above, was $528 thousand and $552 thousand, respectively.

 

The Company’s other operating leases were evaluated and determined to be immaterial to the financial statements. At December 31, 2021, future minimum rental commitments under the non-cancellable operating leases discussed above are as follows (dollars are in thousands):

 

   
2022 $ 441
2023   455
2024   455
2025   455
2026   455
Thereafter   2,698
Total lease payments   4,959
Less imputed interest   897
     
Total $ 4,062

 
XML 33 R21.htm IDEA: XBRL DOCUMENT v3.22.1
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK
 12 Months Ended
Dec. 31, 2021
Investments, All Other Investments [Abstract]  
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK

NOTE 19 FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK

 

In the normal course of business, the Bank has outstanding commitments and contingent liabilities, such as commitments to extend credit and standby letters of credit, which are not included in the accompanying consolidated financial statements. The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual or notional amount of those instruments. The Bank uses the same credit policies in making such commitments as it does for instruments that are included in the balance sheet.

 

Financial instruments whose contract amount represents credit risk at December 31, 2021 and 2020 were as follows:

 

          
   2021  2020
(Dollars in thousands)          
Commitments to extend credit  $69,015   $57,334 
Standby letters of credit   3,684    2,031 

 

Commitments to extend credit are agreements to lend to a customer at either a fixed or variable interest rate as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation. Collateral held varies but may include accounts receivable, inventory, property and equipment, and income-producing commercial properties.

 

Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Standby letters of credit generally have fixed expiration dates or other termination clauses and may require payment of a fee. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Bank’s policy for obtaining collateral, and the nature of such collateral, is essentially the same as that involved in making commitments to extend credit.

 
XML 34 R22.htm IDEA: XBRL DOCUMENT v3.22.1
CAPITAL
 12 Months Ended
Dec. 31, 2021
CAPITAL

NOTE 21 CAPITAL

 

Capital Requirements and Ratios

 

The Company meets eligibility criteria of a small bank holding company in accordance with the Board of Governors of the Federal Reserve System’s Small Bank Holding Company Policy Statement issued in February 2015, and is no longer obligated to report consolidated regulatory capital.

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

Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital to risk-weighted assets, Tier 1 capital to average assets, and Common Equity Tier 1 capital to risk-weighted assets. As of December 31, 2021, the Bank meets all capital adequacy requirements to which it is subject.

The Bank’s actual capital amounts and ratios are presented in the following table as of December 31, 2021 and 2020, respectively.

               
    Actual Minimum Capital Requirement Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions
(Dollars are in thousands) Amount Ratio Amount Ratio   Amount Ratio
December 31, 2021:
Total Capital to Risk Weighted Assets $ 85,890 16.23% $ 42,332  8.0% $ 52,915 10.0%
Tier 1 Capital to Risk Weighted Assets   79,274 14.98% 31,749  6.0%   42,332 8.0%
Tier 1 Capital to Average Assets   79,274 9.86% 32,145 4.0%   40,181 5.0%
Common Equity Tier 1 Capital
      to Risk Weighted Assets   79,274 14.98% 23,812 4.5%   34,395 6.5%

 

December 31, 2020:

Total Capital to Risk Weighted Assets $ 77,133 16.41% $ 37,603  8.0% $ 47,028 10.0%
Tier 1 Capital to Risk Weighted Assets   71,241 15.16% 28,202  6.0%   37,603 8.0%
Tier 1 Capital to Average Assets   71,241 9.49% 29,989 4.0%   37,545 5.0%
Common Equity Tier 1 Capital
      to Risk Weighted Assets   71,241 15.16% 30,036 4.5%   30,552 6.5%

 

Accordingly, as of December 31, 2021 and 2020, the Bank was well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since such dates that management believes have changed the Bank’s category.

 

The Bank is also subject to the rules implementing the Basel III capital framework and certain related provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. The final rules require the Bank to comply with the following minimum capital ratios: (i) a Common Equity Tier 1 capital to risk-weighted assets ratio of at least 4.5%, plus a 2.5% “capital conservation buffer” (effectively resulting in a minimum Common Equity Tier 1 capital to risk-weighted assets ratio of 7%), (ii) a ratio of Tier 1 capital to risk-weighted assets of at least 6.0%, plus the 2.5% capital conservation buffer (effectively resulting in a minimum Tier 1 capital ratio of 8.5%), (iii) a ratio of total capital to risk-weighted assets of at least, 8.0%, plus the 2.5% capital conservation buffer (effectively resulting in a minimum total capital ratio of 10.5%), and (iv) a leverage ratio of 4%, calculated as the ratio of Tier 1 capital to average assets. The Bank’s capital conservation buffer was 8.23% at December 31, 2021. The capital conservation buffer is designed to absorb losses during periods of economic stress. Banking institutions with a Common Equity Tier 1 capital to risk-weighted assets ratio above the minimum but below the conservation buffer face constraints on dividends, equity repurchases, and compensation based on the amount of the shortfall. As of both December 31, 2021 and 2020, the Common Equity Tier 1 Capital to Risk-weighted Assets ratio, the Tier 1 Capital to Risk-weighted Assets ratio, the Total Capital to Risk-weighted Assets ratio, and the Tier 1 Capital to Average Assets ratio of the Bank, all exceeded the minimum requirements.
XML 35 R23.htm IDEA: XBRL DOCUMENT v3.22.1
FAIR VALUES
 12 Months Ended
Dec. 31, 2021
Fair Value Disclosures [Abstract]  
FAIR VALUES

NOTE 22 FAIR VALUES

 

The Company established a hierarchal disclosure framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined by this hierarchy are:

 

Level 1: Quoted prices are available in active markets for identical assets or liabilities as of the reported date.

 

Level 2: Pricing inputs are other than quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities include items for which quoted prices are available but traded less frequently, and items that are valued using other financial instruments, the parameters of which can be directly observed.

 

Level 3: Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require 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 are as follows:

 

 

Investment Securities Available for Sale - Investment securities available for sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices. The Company’s available for sale securities, totaling $107.4 million and $48.4 million at December 31, 2021 and 2020, respectively, are the only assets whose fair values are measured on a recurring basis using Level 2 inputs from an independent pricing service.

 

Loans - The Company does not record loans at fair value on a recurring basis. Real estate serves as collateral on a substantial majority of the Company’s loans. When a loan is considered impaired, a specific reserve may be established. Loans, which are deemed to be impaired and require a reserve, are primarily valued on a non-recurring basis at the fair value of the underlying real estate collateral. Where there is no observable market price, such fair values are obtained using independent appraisals, which management evaluates to determine whether or not the fair value of the collateral is further impaired below the appraised value and adjusts for estimated costs of disposition. The Company records impaired loans as nonrecurring Level 3 assets. The aggregate amount of impaired loans carried at fair value was $2.8 million and $4.0 million at December 31, 2021 and 2020, respectively.

 

Other Real Estate Owned –Other real estate owned is adjusted to fair value upon transfer of the loans, or former bank premises, to other real estate owned.  These assets are carried at the lower of their carrying value or fair value.  Fair value is based upon observable market prices, when available, reduced by estimated disposition costs, which the Company considers to be nonrecurring Level 2 inputs. When observable market prices are not available, management determines the fair value of the foreclosed asset using independent third-party appraisals, evaluated to determine whether or not the property is further impaired below the appraised value, and adjusts for estimated costs of disposition. The Company records foreclosed assets as nonrecurring Level 3. The aggregate carrying amounts of foreclosed assets were $1.4 million and $3.3 million at December 31, 2021 and 2020, respectively.

 

Assets and liabilities measured at fair value are as follows as of December 31, 2021 (for purpose of this table the impaired loans are shown net of the related allowance):

 

             

 

 

 

 

(Dollars are in thousands)

  

 

Quoted market price in active markets

(Level 1)

  

 

 

Significant other observable inputs

(Level 2)

  

 

Significant unobservable inputs

(Level 3)

(On a recurring basis)

Available for sale investments

            
    U.S. Treasuries $ - $ 7,671 $  
    U.S. Government Agencies   -   9,089   -
    Taxable municipals   -   22,980   -
    Corporate bonds   -   2,019   -
    Mortgage backed securities   -   65,599   -
             

(On a non-recurring basis)

Other real estate owned

   -   -   1,361
Impaired loans:            
  Real estate secured:            
      Commercial   -   -   414
      Construction and land development   -   -   24
      Residential 1-4 family   -   -   1,848
      Multifamily   -   -   -
      Farmland   -   -   517
  Commercial   -   -   28
  Agriculture   -   -   -
  Consumer installment loans   -   -   2
  All other loans   -   -   -
Total $ - $ 107,358 $ 4,194

 

Assets and liabilities measured at fair value are as follows as of December 31, 2020 (for purpose of this table the impaired loans are shown net of the related allowance):

 

             

 

 

 

 

(Dollars are in thousands)

  

 

Quoted market price in active markets

(Level 1)

  

 

 

Significant other observable inputs

(Level 2)

  

 

Significant unobservable inputs

(Level 3)

(On a recurring basis)

Available for sale investments

            
    U.S. Government Agencies $ - $ 14,107 $ -
    Taxable municipals   -   5,345   -
    Corporate bonds   -   6,048   -
    Mortgage backed securities   -   22,906   -
             

(On a non-recurring basis)

Other real estate owned

   -   -   3,334
Impaired loans:            
  Real estate secured:            
      Commercial   -   -   1,377
      Construction and land development   -   -   99
      Residential 1-4 family   -   -   1,927
      Multifamily   -   -   -
      Farmland   -   -   597
  Commercial   -   -   25
  Agriculture   -   -   -
  Consumer installment loans   -   -   5
  All other loans   -   -   -
Total $ - $ 48,406 $ 7,364

 

For Level 3 assets measured at fair value on a recurring or non-recurring basis as of December 31, 2021 and 2020, the significant unobservable inputs used in the fair value measurements were as follows:

                     

 

 

 

 

(Dollars in thousands)

  

 

 

 

Fair Value at December 31,

2021

  

 

 

 

Fair Value at

December 31,

2020

  

 

 

 

 

Valuation Technique

  

 

 

 

 

Significant Unobservable Inputs

  

 

 

General Range of Significant Unobservable Input Values

                     
Impaired Loans $ 2,667 $ 4,030   Appraised Value/Discounted Cash Flows/Market Value of Note   Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell   0 – 18%
                     
Other Real Estate Owned $ 1,361 $ 3,334   Appraised Value/Comparable Sales/Other Estimates from Independent Sources   Discounts to reflect current market conditions and estimated costs to sell   0 – 18%

 

 

 

 

 

 

Fair Value of Financial Instruments 

The carrying amount and fair value of the Company’s financial instruments that are not required to be measured or reported at fair value on a recurring basis are as follows:

 

                     
            Fair Value Measurements

 

 

 

 

 

(Dollars are in thousands)

  

 

 

 

 

Carrying

Amount

  

 

 

 

 

Fair

Value

  

Quoted market price in active markets

(Level 1)

  

 

Significant other observable inputs

(Level 2)

  

 

 

Significant unobservable inputs

(Level 3)

                     
December 31, 2021                    
Financial Instruments – Assets                    
   Net Loans $ 587,009 $ 580,024 $ - $ 577,357 $ 2,667
                     
Financial Instruments – Liabilities                    
   Time Deposits   196,285   198,353   -   198,353   -
   Borrowed Funds   16,496   15,649   -   15,649   -
                     
December 31, 2020                    
Financial Instruments – Assets                    
   Net Loans $ 568,375 $ 564,664 $ - $ 560,634 $ 4,030
                     
Financial Instruments – Liabilities                    
   Time Deposits   234,449   237,768   -   237,768   -
   Borrowed Funds   21,496   16,788   -   16,788   -

 

Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument.  These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument.  Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions can significantly affect the estimates.

 

Estimated fair values have been determined by the Company using historical data, as generally provided in the Company’s regulatory reports, and an estimation methodology suitable for each category of financial instruments. The Company’s fair value estimates, methods and assumptions are set forth below for the Company’s other financial instruments.

 

The carrying value of cash and due from banks, federal funds sold, interest-bearing deposits, deposits with no stated maturities and accrued interest approximates fair value and is excluded from the table above.

The methods utilized to measure the fair value of financial instruments represent an approximation of exit price; however, an actual exit price may differ.

 

 
XML 36 R24.htm IDEA: XBRL DOCUMENT v3.22.1
REVENUE FROM CONTRACTS WITH CUSTOMERS
 12 Months Ended
Dec. 31, 2021
Revenue from Contract with Customer [Abstract]  
REVENUE FROM CONTRACTS WITH CUSTOMERS

NOTE 23 REVENUE FROM CONTRACTS WITH CUSTOMERS

 

All of our revenue from contracts with customers as defined in ASC 606 is recognized within Noninterest Income. The following table presents Noninterest Income by revenue stream for the years ended December 31, 2021 and 2020.

 

          
(Dollars are in thousands)  2021  2020
Service charges and fees  $3,724   $3,217 
Card processing and interchange income   3,871    3,314 
Insurance and investment fees   1,029    716 
Gains on sales of available-for-sale securities (1)   322    4 
Other noninterest income   1,034    896 
Total Noninterest Income  $9,980   $8,147 

 

(1) – Not within the scope of ASU 2014-9

 

Certain revenues are earned from contracts with customers. These revenues are recognized when the promised services are rendered to the customer and reflects the entitled consideration received in exchange for those services.

 

Service charges and fees – revenue is recognized on deposit services based on published fees for the services provided. These fees may be collected on a transaction basis, at the time the service is rendered or periodically based on the period over which the service is provided. Transaction based fees include services such as stop payment requests, paper statement rendering and ITM usage fees. Periodic fees include such charges as monthly account maintenance fees. Overdraft fees are realized at the time the overdraft occurs.

 

Card processing and interchange fees – Card related interchange revenue is primarily comprised of debit and credit card income. Debit and credit card income is earned when customers’ debit or credit cards are processed through a card payment network. Card related interchange income is recognized at the time the customer transactions settle.

 

Insurance and investment fees - Insurance and investment fee income consists of commissions received on annuity and investment product sales through a third-party service provider. Performance is generally satisfied at the time an annuity policy is issued, or at the execution of an investment transaction.

 
XML 37 R25.htm IDEA: XBRL DOCUMENT v3.22.1
SUBSEQUENT EVENTS
 12 Months Ended
Dec. 31, 2021
Subsequent Events [Abstract]  
SUBSEQUENT EVENTS

NOTE 25 SUBSEQUENT EVENTS

 

Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist at the date of the balance sheet but arose after that date. Management has reviewed events occurring through the date the financial statements were available to be issued and has identified the following as a non-recognized subsequent event.

 

On February 28, 2022, the board of directors declared a dividend of $0.05 per share payable on March 31, 2022 to shareholders of record as of March 15, 2022.

 

At this time, we cannot state how the continuing economic uncertainty related to the pandemic and current geopolitical conditions will affect the financial position, operations or liquidity of the Company.

 
XML 38 R26.htm IDEA: XBRL DOCUMENT v3.22.1
RECENT ACCOUNTING DEVELOPMENTS
 12 Months Ended
Dec. 31, 2021
Accounting Changes and Error Corrections [Abstract]  
RECENT ACCOUNTING DEVELOPMENTS

NOTE 26 RECENT ACCOUNTING DEVELOPMENTS

 

The following is a summary of recent authoritative announcements:

 

In June 2016, per ASU No. 2016-13, ‘Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments,’ the Financial Accounting Standards Board (the FASB) issued guidance to change the accounting for credit losses and modify the impairment model for certain debt securities. Subsequently, per ASU No. 2019-10, implementation for the Company is delayed until reporting periods beginning after December 15, 2022. Early adoption is permitted for all organizations for periods beginning after December 15, 2018. The Company is currently evaluating the effect that implementation of the new standard will have on its financial position, results of operations, and cash flows.

 

In May 2019, the FASB issued targeted transition relief for entities which irrevocably elect the fair value option for certain financial assets previously measured at amortized cost basis. For those entities, the amendments to the transition guidance for ASU 2016-13 will increase comparability of financial statement information by providing an option to align measurement methodologies for similar financial assets. Subsequently, per ASU No. 2019-10, implementation for the Company is delayed until reporting periods beginning after December 15, 2021. The Company is currently in the process of evaluating the impact of adoption of this guidance on its financial statements.

 

In November 2019, the FASB released ASU 2019-10, ‘Financial Instruments – Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842),’ in which the FASB shared a new philosophy to extend and simplify how effective dates for certain major Updates would be staggered between larger public companies (bucket one) and all other entities (bucket two). A major Update would first be effective for bucket-one entities. For bucket-two entities, including the Company, it is anticipated that the FASB will consider requiring an effective date staggered at least two years after bucket one for major Updates. Generally, it is expected that early application would continue to be allowed for all entities. The Company is considered a bucket-two entity due to its eligibility to be a smaller reporting company, per the Securities and Exchange Commission (the SEC). This Update applies to ASU 2016-13, as discussed above, ASU 2017-12, which does not apply to the Company, and ASU 2016-02, which the Company has already early-adopted.

 

In December 2019, the FASB released ASU 2019-12, ‘Income Taxes (Topic 740),’ which simplify the accounting for income taxes by removing certain exceptions to the general principles in Topic 740, improve consistent application, and simplify GAAP for other areas of Topic 740. The amendments in this Update are effective for the Company for fiscal years beginning after December 15, 2021, and interim periods within fiscal years beginning after December 15, 2022. The Company does not expect these amendments to have a material effect on its financial statements.

 

In January 2020, the FASB released ASU 2020-01, ‘Investments – Equity Securities (Topic 321), Investments – Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815),’ which clarify certain interactions between the guidance to account for certain equity securities under Topic 321, 323 and 815, and improve current GAAP by reducing diversity in practice and increasing comparability of accounting. The amendments in this Update are effective for the Company for fiscal years beginning after December 31, 2021, and interim periods within those fiscal years. Early adoption is permitted. The Company does not expect these amendments to have a material effect on its financial statements.

In March 2020, the FASB released ASU 2020-03, ‘Codification Improvements to Financial Instruments,’ as part of its ongoing project for improving the Codification or correcting its unintended application. This Update is being issued to increase stakeholder awareness of these amendments. These amendments affect Fair Value Option Disclosures, Applicability of Portfolio Exception in Topic 820 to Nonfinancial Items, Disclosures for Depository and Lending Institutions, Cross-Reference to Line-of-Credit or Revolving-Debt Arrangements Guidance in Subtopic 470-50, Cross-Reference to Net Asset Value Practical Expedient in Subtopic 820-10, Interaction of Topic 842 and Topic 326, and Interaction of Topic 326 and Subtopic 860-20. The amendments in this update are effective immediately. The implementation of these amendments did not have a material effect on its financial statements.

 

In March 2020, the FASB released ASU 2020-04, ‘Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting,’ which provides optional guidance for a limited period of time to ease the potential burden in accounting for (or recognizing the effects of) reference rate reform. The amendments in this Update are elective and apply to all entities, subject to meeting certain criteria, that have contracts, hedging relationships, and other transactions that reference the London Interbank Offering Rate (LIBOR) or another reference rate expected to be discontinued because of reference rate reform. The amendments in the Update are effective for the Company as of March 12, 2020 through December 31, 2022. The Company is working through implementation of this guidance, but does not expect this amendment to have a material impact on its financial statements.

 

In August 2020, the FASB released ASU 2020-06, ‘Accounting for Convertible Instruments and Contracts in an Entity’s Own Equity,’ which reduces the number of accounting models for convertible debt instruments and convertible preferred stock. The Board concluded that eliminating certain accounting models simplifies the accounting for convertible instruments, reduces complexity for preparers and practitioners, and improves the decision usefulness and relevance of the information provided to financial statement users. The amendments in this Update are effective for the Company for fiscal years beginning after December 15, 2021, including interim periods within those fiscal years. The implementation of these amendments did not have a material effect on its financial statements.

 

In January 2021, the FASB released ASU 2021-01, ‘Reference Rate Reform (Topic 848),’ which clarifies that certain optional expedients and exceptions in topic 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition related to reference rate reform. The amendments in this Update are effective immediately for all entities. An entity may elect to apply the amendments in the Update on a full retrospective basis as of any date from the beginning of an interim period that includes or is subsequent to March 12, 2020, or on a prospective basis to new modifications from any date within an interim period that includes or is subsequent to the date of the issuance of a final Update, up to the date that financial statements are available to be issued. The Company does not expect this amendment to have a material effect on its financial statements.

 

In July 2021, the FASB released ASU 2021-05, ‘Lessors – Certain Leases with Variable Lease Payments (Topic 842),’ which amends the lease classification requirements for lessors to align them with practice under Topic 840. The amendments in this Update amend Topic 842 and are effective for the Company for fiscal years beginning after December 15, 2021, and for interim periods within fiscal years beginning after December 13, 2022. The Company may elect either (1) to retrospectively apply the amendments to leases that commenced or were modified on or after the adoption of Update 2016-02 or (2) prospectively to leases that commence or are modified on or after the date that the Company first applies the amendments. The Company does not expect this amendment to have a material effect on its financial statements.

 

In August 2021, the FASB released ASU 2021-06, ‘Presentation of Financial Statements (Topic 205), Financial Services – Depository and Lending (Topic 942), and Financial Services – Investment Companies (Topic 946),’ which amends certain SEC paragraphs pursuant to SEC final rule releases No. 33-10786, Amendments to Financial Disclosures about Acquired and Disposed Businesses, and No. 33-10835, Update of Statistical Disclosures for Bank and Savings and Loan Registrants. These amendments become effective for fiscal years ending on or after December 15, 2021. The Company does not expect these amendments to have a material effect on its financial statements.

 

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

 
XML 39 R27.htm IDEA: XBRL DOCUMENT v3.22.1
PARENT CORPORATION ONLY FINANCIAL STATEMENTS
 12 Months Ended
Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]  
PARENT CORPORATION ONLY FINANCIAL STATEMENTS

NOTE 27 PARENT CORPORATION ONLY FINANCIAL STATEMENTS

 

CONDENSED BALANCE SHEETS

AS OF DECEMBER 31, 2021 AND 2020

(Dollars in Thousands)

          
   2021  2020
ASSETS          
Due from banks  $187   $215 
Investment in subsidiaries   78,460    72,990 
Other assets   1,645    1,669 
Total Assets  $80,292   $74,874 
           
LIABILITIES          
Accrued interest payable  $104   $109 
Accrued expenses and other liabilities   61    92 
Trust preferred securities   16,496    16,496 
Total Liabilities   16,661    16,697 
           
STOCKHOLDERS’ EQUITY          

Common stock - $2.00 par value, 50,000,000 shares authorized;

23,922,086 shares issued and outstanding at both

December 31, 2021 and 2020

   47,844    47,844 
Additional paid capital   14,570    14,570 
Retained earnings (deficit)   2,031    (4,979)
Accumulated other comprehensive (loss) income   (814)   742 
Total Stockholders’ Equity   63,631    58,177 
Total Liabilities and Stockholders’ Equity  $80,292   $74,874 

 

CONDENSED STATEMENTS OF INCOME

FOR THE YEARS ENDED DECEMBER 31, 2021 AND 2020

(Dollars in thousands)

          
   2021  2020
       
Income          
Miscellaneous income  $13   $16 
Dividends from subsidiaries   430    610 
Undistributed income of subsidiaries   7,026    2,842 
Total income   7,469    3,468 
           
Expenses          
Trust preferred securities interest expense   420    541 
Professional fees   99    114 
Other operating expenses   58    19 
Total Expenses   577    674 
           
Income before Income Taxes   6,892    2,794 
Income Tax Benefit   (118)   (96)
Net Income  $7,010   $2,890 

 

CONDENSED STATEMENTS OF CASH FLOWS

FOR THE YEARS ENDED DECEMBER 31, 2021 AND 2020

(Dollars in thousands)

          
   2021  2020
       
Cash Flows From Operating Activities          
Net income  $7,010   $2,890 

Adjustments to reconcile net income to net cash used in

operating activities:

          
     Equity in undistributed earnings of subsidiaries   (6,580)   (2,842)
     Net (increase) decrease in other assets   (422)   67 
     Net decrease in other liabilities   (36)   (109)
Net cash (used in) provided by operating activities   (28)   6 
           
Net (decrease) increase in Cash and Cash Equivalents   (28)   6 
Cash and Cash Equivalents, Beginning of year   215    209 
Cash and Cash Equivalents, End of Year  $187   $215 
           
Supplemental Disclosure of Cash Paid During the Year for:          
     Interest  $425   $614 
     Taxes  $—     $(166)

 
XML 40 R28.htm IDEA: XBRL DOCUMENT v3.22.1
SELECTED QUARTERLY INFORMATION (UNAUDITED)
 12 Months Ended
Dec. 31, 2021
Quarterly Financial Information Disclosure [Abstract]  
SELECTED QUARTERLY INFORMATION (UNAUDITED)

NOTE 28 SELECTED QUARTERLY INFORMATION (UNAUDITED)

 

                    
  2021 QUARTERS
(Dollars in thousands except per share data)  Fourth  Third  Second  First
Income statement                    
Net interest income  $6,729    7,418    6,651   $6,413 
Provision for loan losses   —      —      186    186 
Noninterest income   2,503    2,970    2,378    2,129 
Noninterest expense   6,727    8,067    6,724    6,349 
Net income   1,917    1,845    1,663    1,585 
Earnings per share, basic and diluted *   0.08    0.08    0.07    0.07 
Period end balance sheet                    
Total loans receivable  $593,744    574,053    591,914   $594,454 
Total assets   794,647    800,849    797,588    810,266 
Total deposits   707,513    713,489    711,367    720,954 
Total stockholders’ equity   63,631    62,518    60,964    59,347 
                     

    2020 QUARTERS
                    
(Dollars in thousands except per share data)   Fourth    Third    Second    First 
Income statement                    
Net interest income  $6,447    6,414   $6,140   $6,142 
Noninterest income   300    450    550    1,000 
Provision for loan losses   2,234    2,116    1,628    2,165 
Noninterest expense   6,272    6,282    7,192    7,251 
Net income (loss)   1,391    1,424    29    46 
Earnings (loss) per share, basic and diluted   0.06    0.06    0.00    0.00 
Period end balance sheet                    
Total loans receivable  $575,566    585,122   $587,566   $560,468 
Total assets   756,302    749,125    754,651    715,144 
Total deposits   668,012    661,672    668,404    629,525 
Total stockholders’ equity   58,177    56,919    55,473    55,251 

 

* - For 2021, quarterly income per share does not total year-to-date income per share due to rounding.
XML 41 R29.htm IDEA: XBRL DOCUMENT v3.22.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)
 12 Months Ended
Dec. 31, 2021
Accounting Policies [Abstract]  
Use of Estimates

Use of Estimates - The preparation of financial statements in conformity with generally accepted accounting principles of the United States (GAAP) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. The determination of the adequacy of the allowance for loan losses and the determination of the deferred tax asset and related valuation allowance are based on estimates that are particularly susceptible to significant changes in the economic environment and market conditions.

 
Cash and Cash Equivalents

Cash and Cash Equivalents – Cash and cash equivalents as used in the cash flow statements include cash and due from banks, interest-bearing deposits with banks, federal funds sold and investment securities maturing within three months.

 
Investment Securities

Investment Securities – Management determines the appropriate classification of securities at the time of purchase. If management has the intent and the Company has the ability at the time of purchase to hold securities until maturity, they are classified as held to maturity and carried at amortized historical cost. Securities not intended to be held to maturity are classified as available-for-sale and carried at fair value. Securities available-for-sale are intended to be used as part of the Company’s asset and liability management strategy and may be sold in response to changes in interest rates, prepayment risk or other similar factors.

 

The amortization of premiums and accretion of discounts are recognized in interest income using the effective interest method over the period to maturity for discounts and the earlier of call date or maturity for premiums. Realized gains and losses on dispositions are based on the net proceeds and the adjusted book value of the securities sold, using the specific identification method. Realized gains (losses) on securities available-for-sale are included in noninterest income and, when applicable, are reported as a reclassification adjustment, net of tax, in other comprehensive income. Unrealized gains and losses on investment securities available for sale are based on the difference between book value and fair value of each security. These gains and losses are credited or charged to other comprehensive income, net of tax, whereas realized gains and losses flow through the statements of income.

 
Loans held for sale

Loans held for sale – Mortgage loans originated and intended for sale in the secondary market are carried at the lower of aggregate cost or fair value, as determined by outstanding commitments from investors. Net unrealized losses, if any, are recorded as a valuation allowance through earnings. Mortgage loans held for sale are generally sold with servicing released. Gains and losses on sales of mortgages are based on the difference between the selling price and the carrying value of the related loan sold.

 
Loans

Loans – Loans are carried on the balance sheet at unpaid principal balance, net of any unearned interest and the allowance for loan losses. Interest income on loans is computed using the effective interest method, except where serious doubt exists as to the collectability of the loan, in which case accrual of the income is discontinued.

It is the Company’s policy to stop accruing interest on a loan, and classify that loan as non-accrual under the following circumstances: (a) whenever we are advised by the borrower that scheduled payment or interest payments cannot be met, (b) when our best judgment indicates that payment in full of principal and interest can no longer be expected, or (c) when any such loan or obligation becomes delinquent for 90 days unless it is both well secured and in the process of collection. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income, except in the case of a nonaccrual loan that is well secured and in the process of collection, in which case, the interest accrued but not collected is not reversed. The interest on these loans is accounted for on the cash basis or cost-recovery method, until qualifying for return to accrual status. Generally, loans are returned to accrual status when all the principal and interest amounts contractually due are brought current, six consecutive timely payments are made, and prospects for future contractual payments are reasonably assured.

 

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 for commercial and construction loans 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.

 
Significant Group Concentrations of Credit Risk

Significant Group Concentrations of Credit Risk – The Company identifies a concentration as any obligation, direct or indirect, of the same or affiliated interests which represent 25% or more of the Company’s capital structure, or $15.9 million as of December 31, 2021. Most of the Company’s activities are with customers located within southwest Virginia, southern West Virginia, northeastern Tennessee region and western North Carolina. Certain concentrations may pose credit risk. The Company does not have any significant concentrations to any one industry or customer.

 
Allowance for Loan Losses

Allowance for Loan Losses – The allowance for loan losses is maintained at a level that, in management’s judgment, is adequate to absorb credit losses inherent in the loan portfolio. The loan portfolio is analyzed periodically and loans are assigned a risk rating. Allowances for impaired loans are generally determined based on collateral values or the present value of expected cash flows. A general allowance is made for all other loans not considered impaired as deemed appropriate by management. In determining the adequacy of the allowance, management considers the following factors: the nature of the portfolio, credit concentrations, trends in historical loss experience, specific impaired loans, the estimated value of any underlying collateral, prevailing environmental factors and economic conditions, and other inherent risks. While management uses available information to recognize losses on loans, further reductions in the carrying amounts of loans may be necessary based on changes in collateral values and changes in estimates of cash flows on impaired loans. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.

 

The allowance is increased by a provision for loan losses, which is charged to expense and reduced by charge-offs, net of recoveries. Loans are charged against the allowance for loan losses when management believes that collectability of all or part of the principal is unlikely. Past due status is determined based on contractual terms.

 

In regard to our consumer and consumer real estate loan portfolio, the Company uses the guidance found in the Uniform Retail Credit Classification and Account Management Policy which affects our estimate of the allowance for loan losses. Under this approach, a consumer or consumer real estate loan must initially have a credit risk grade of Pass or better. Subsequently, if the loan becomes contractually 90 days past due or the borrower files for bankruptcy protection, the loan is downgraded to Substandard and placed in nonaccrual status. If the loan is unsecured, upon being deemed Substandard, the entire loan amount is charged off. For non-1-4 family residential loans that are 90 days past due or greater, or in bankruptcy, the collateral value less estimated liquidation costs is compared to the loan balance to calculate any potential deficiency. If the collateral is sufficient then no charge-off is necessary. If a deficiency exists, then upon the loan becoming contractually 120 days past due, the deficiency is charged-off against the allowance for loan loss. In the case of 1-4 family residential or home equity loans, upon the loan becoming 120 days past due, a current value is obtained and after application of an estimated liquidation discount, a comparison is made to the loan balance to calculate any deficiency. Subsequently, any noted deficiency is then charged-off against the allowance for loan loss when the loan becomes contractually 180 days past due. If the customer has filed bankruptcy, then within 60 days of the bankruptcy notice, any calculated deficiency is charged-off against the allowance for loan loss. Collection efforts continue by means of repossessions or foreclosures, and upon bank ownership, liquidation ensues.
Bank Premises and Equipment

Bank Premises and Equipment – Land, buildings and equipment are recorded at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the following estimated useful lives:

 

   
Type   Estimated useful life
Buildings   39 years
Paving and landscaping   15 years
Computer equipment and software   3 to 5 years
Vehicles   5 years
Furniture and other equipment   5 to 10 years

Leasehold improvements are amortized over the terms of the respective leases or the estimated useful lives of the improvements, whichever is shorter. Repairs and maintenance costs are recorded as a component of noninterest expense as incurred.
Other Real Estate Owned

Other Real Estate Owned – Other real estate owned represents properties acquired through foreclosure or deeds taken in lieu of foreclosure and former branch sites that have been closed and for which there are no intentions to re-open or otherwise use the location. At the time of acquisition, these properties are recorded at fair value less estimated costs to sell. Expenses incurred in connection with operating these properties and subsequent write-downs, if any, are charged to operations. Subsequent to foreclosure, management periodically considers the adequacy of the reserve for losses on the property. Gains and losses on the sales of these properties are credited or charged to income in the year of the sale.

 
Leases

Leases – A right-of-use asset and related lease liability is recognized for operating leases the Bank has entered into for certain office facilities. Most leases include one or more options to renew. The exercise of lease renewal options is typically at the sole discretion of management. If it is determined that it is reasonably certain that the Bank will exercise renewal options, the additional term is included in the calculation of the lease liability. As most of our leases do not provide an implicit rate, we use the fully collateralized Federal Home Loan Bank borrowing rate, commensurate with the lease terms at the lease commencement date in determining the present value of the lease payments.

 
Income Taxes

Income Taxes – Deferred tax assets or liabilities are computed based upon the difference between financial statement and income tax bases of assets and liabilities using the enacted marginal tax rate. The Company provides a valuation allowance on its net deferred tax assets where it is more likely than not such assets will not be realized. At December 31, 2021 and 2020, the Company had no valuation allowance on its net deferred tax assets.

 

The Company recognizes the tax benefit from an uncertain tax position only if it is more likely than not the tax position will be sustained on examination by the taxing authorities, based on the technical merits of the position. The tax benefits recognized in the financial statements from such positions are then measured based on the largest benefit that has a greater than 50% likelihood of being realized upon settlement. See Note 10, Income Taxes, for additional information. The Company records any penalties and interest attributed to uncertain tax positions as a component of income tax expenses.

 
Income Per Share

Income Per Share – Basic income per share computations are based on the weighted average number of shares outstanding during each period. Dilutive earnings per share reflect the additional common shares that would have been outstanding if dilutive potential common shares had been issued.

 
Financial Instruments – Off-balance-sheet instruments

Financial Instruments – Off-balance-sheet instruments - In the ordinary course of business, the Company has entered into commitments to extend credit. Such financial instruments are recorded in the financial statements when they are funded.

 
Financial Instruments – Fair Value

Financial Instruments – Fair Value – Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully discussed in Note 22. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risks, prepayments and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or market conditions could significantly affect these estimates.
Comprehensive Income

Comprehensive Income – GAAP require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities, are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive income. The change in unrealized gains and losses on available-for-sale securities is the Company’s only component of other comprehensive income.

 
Revenue from Contracts with Customers

Revenue from Contracts with Customers - The Company generally satisfies its performance obligations fully on its contracts with customers as services are rendered; and the transaction prices are typically fixed, charged either on a periodic basis or based on activity.

 
Advertising Cost

Advertising Cost – Advertising costs are expensed in the period incurred. Those costs, which are included in Advertising, sponsorships and donations in Note 24 totaled $252 thousand and $216 thousand, for the years ended December 31, 2021 and 2020, respectively.

 
Reclassification

Reclassification – Certain reclassifications have been made to the prior years’ financial statements to place them on a comparable basis with the current year. Net income and stockholders’ equity previously reported were not affected by these reclassifications.

 
Subsequent Events

Subsequent Events – The Company has evaluated subsequent events for potential recognition and/or disclosure through the date these consolidated financial statements were issued. See Note 25 Subsequent Events for additional information.

 

 
XML 42 R30.htm IDEA: XBRL DOCUMENT v3.22.1
INCOME PER SHARE (Tables)
 12 Months Ended
Dec. 31, 2021
Income Per Share  
Schedule of basic and diluted net loss per common share calculations
          
(Amounts in thousands, except  For the year ended
share and per share data)  December 31,
   2021  2020
Net income  $7,010   $2,890 
Weighted average shares outstanding   23,922,086    23,922,086 
Weighted average dilutive shares outstanding   23,992,086    23,992,086 
Basic and diluted income per share  $0.29   $0.12 
XML 43 R31.htm IDEA: XBRL DOCUMENT v3.22.1
INVESTMENT SECURITIES (Tables)
 12 Months Ended
Dec. 31, 2021
     Investment securities activity:  
Schedule of securities amortized cost and estimated fair value
                    
      Gross  Gross  Approximate
   Amortized  Unrealized  Unrealized  Fair
(Dollars are in thousands)  Cost  Gains  Losses  Value
December 31, 2021                    
U.S. Treasuries   7,791   $2   $122   $7,671 
U.S. Government Agencies   9,098    77    86    9,089 
Taxable municipals   23,075    159    254    22,980 
Corporate bonds   2,014    23    18    2,019 
Mortgage backed securities   66,410    143    954    65,599 
Total Securities available for sale   108,388   $404   $1,434   $107,358 
December 31, 2020                    
U.S. Government Agencies   13,852   $322   $67   $14,107 
Taxable municipals   5,157    188    —      5,345 
Corporate bonds   5,893    186    31    6,048 
Mortgage backed securities   22,565    388    47    22,906 
Total Securities available for sale   47,467   $1,084   $145   $48,406 
Schedule of fair value and gross unrealized losses on investment securities
                              
   Less than 12 Months  12 Months or More  Total

 

(Dollars are in thousands)

  Fair Value 

Unrealized

Losses

 

Fair

Value

 

Unrealized

Losses

 

Fair

Value

 

Unrealized

Losses

December 31, 2021                  
U.S. Treasuries  $6,200   $122   $—     $—     $6,200   $122 
U.S. Government Agencies   977    10    3,434    76    4,411    86 
Taxable municipals   13,040    237    387    17    13,427    254 
Corporate bonds   1,482    18    —      —      1,482    18 
Mtg. backed securities   52,180    758    6,282    196    58,462    954 
Total Securities AFS  $73,879   $1,145   $10,103   $289   $83,982   $1,434 
                               
December 31, 2020                              
U.S. Government Agencies  $1,479   $12   $3,829   $55   $5,308   $67 
Taxable municipals   —      —      —      —      —      —   
Corporate bonds   1,219    31    —      —      1,219    31 
Mtg. backed securities   7,517    44    218    3    7,735    47 
Total Securities AFS  $10,215   $87   $4,047   $58   $14,262   $145 
                               
Schedule of amortized cost and fair value of investment securities contractual maturity
     
  Weighted
(Dollars are in thousands) Amortized   Fair   Average
Securities Available for Sale Cost   Value   Yield
Due in one year or less $ 1,051 $ 1,060   2.56%
Due after one year through five years 7,858 7,804 1.41%
Due after five years through ten years   12,819   12,747   1.54%
Due after ten years   86,660   85,747   1.61%
Total $ 108,388 $ 107,358   1.59%
XML 44 R32.htm IDEA: XBRL DOCUMENT v3.22.1
LOANS (Tables)
 12 Months Ended
Dec. 31, 2021
Receivables [Abstract]  
Summary of loans receivable on nonaccrual status
          
(Dollars are in thousands)  2021  2020
Real estate secured:          
Commercial  $415   $2,225 
Construction and land development   37    57 
Residential 1-4 family   2,314    2,700 
Multi-family   111    —   
Farmland   48    101 
Total real estate loans   2,925    5,083 
Commercial   9    453 
Consumer installment and other loans   7    12 
Total loans receivable on nonaccrual status  $2,941   $5,548 
Summary of impaired loans
                         

 

As of December 31, 2021

(Dollars are in thousands)

 

Average

Recorded

Investment

 

Interest

Income

Recognized

 

 

Recorded

Investment

  Unpaid Principal Balance 

 

Related

Allowance

With no related allowance recorded:                         
Real estate secured:                         
Commercial  $245   $—     $99   $140   $—   
Construction and land development   64    18    24    298    —   
Residential 1-4 family   1,720    24    1,508    1,791    —   
Multifamily   —      —      —      —      —   
Farmland   438    14    320    490    —   
Commercial   —      —      —      —      —   
Agriculture   —      —      —      —      —   
Consumer installment loans   3    —      2    2    —   
All other loans   —      —      —      —      —   
With an allowance recorded:                         
Real estate secured:                         
Commercial   871    3    315    372    94 
Construction and land development   —      —      —      —      —   
Residential 1-4 family   338    6    340    372    53 
Multifamily   —      —      —      —      —   
Farmland   121    4    197    209    17 
Commercial   109    1    28    35    2 
Agriculture   —      —      —      —      —   
Consumer installment loans   —      —      —      —      —   
All other loans   —      —      —      —      —   
Total  $3,909   $70   $2,833   $3,709   $166 

 

 

As of December 31, 2020

(Dollars are in thousands)

 

 

Average

Recorded

Investment

 

 

Interest

Income

Recognized

 

 

 

Recorded

Investment

 

 

Unpaid Principal Balance

 

 

 

Related

Allowance

With no related allowance recorded:                         
Real estate secured:                         
Commercial  $1,680   $16   $385   $386   $—   
Construction and land development   89    18    99    376    —   
Residential 1-4 family   1,788    53    1,662    1,898    —   
Multifamily   —      —      —      —      —   
Farmland   550    59    391    560    —   
Commercial   59    —      —      —      —   
Agriculture   —      —      —      —      —   
Consumer installment loans   4    —      5    6    —   
All other loans   —      —      —      —      —   
With an allowance recorded:                         
Real estate secured:                         
Commercial   707    —      1,566    1,678    574 
Construction and land development   —      —      —      —      —   
Residential 1-4 family   150    3    337    365    72 
Multifamily   —      —      —      —      —   
Farmland   212    9    208    220    2 
Commercial   214    12    429    437    404 
Agriculture   —      —      —      —      —   
Consumer installment loans   —      —      —      —      —   
All other loans   —      —      —      —      —   
Total  $5,453   $170   $5,082   $5,926   $1,052 
Summary of risk category of loans receivable
                         

 

As of December 31, 2021

(Dollars are in thousands)

 

 

 

Pass

 

 

Special

Mention

 

 

 

Substandard

 

 

 

Doubtful

 

 

 

Total

Real estate secured:                         
Commercial  $198,022   $7,725   $415   $—     $206,162 
Construction and land development   31,366    922    37    —      32,325 
Residential 1-4 family   221,342    915    2,273    —      224,530 
Multifamily   32,499    438    111    —      33,048 
Farmland   18,137    550    48    —      18,735 
Total real estate loans   501,366    10,550    2,884    —      514,800 
Commercial   53,162    1,154    9    —      54,325 
Agriculture   4,021    —      —      —      4,021 
Consumer installment loans   18,746    2    8    —      18,756 
All other loans   1,842    —      —      —      1,842 
Total  $579,137   $11,706   $2,901   $—     $593,744 

 

 

 

As of December 31, 2020

(Dollars are in thousands)

 

 

 

Pass

 

 

Special

Mention

 

 

 

Substandard

 

 

 

Doubtful

 

 

 

Total

Real estate secured:                         
Commercial  $171,212   $6,112   $2,057   $—     $179,381 
Construction and land development   23,168    1,806    57    —      25,031 
Residential 1-4 family   218,947    1,304    2,729    —      222,980 
Multifamily   16,337    232    —      —      16,569 
Farmland   17,019    1,249    100    —      18,368 
Total real estate loans   446,683    10,703    4,943    —      462,329 
Commercial   81,846    3,711    453    —      86,010 
Agriculture   4,255    195    —      —      4,450 
Consumer installment loans   20,615    5    12    —      20,632 
All other loans   2,145    —      —      —      2,145 
Total  $555,544   $14,614   $5,408   $—     $575,566 
                          
XML 45 R33.htm IDEA: XBRL DOCUMENT v3.22.1
TROUBLED DEBT RESTRUCTURINGS (Tables)
 12 Months Ended
Dec. 31, 2021
Troubled Debt Restructurings  
Schedule of loans modified as troubled debt restructurings
                              
   December 31, 2021  December 31, 2020
(Dollars are in thousands) 

 

# of

Loans

 

Pre-Mod.

Recorded Investment

 

Post-Mod.

Recorded

Investment

 

 

# of

Loans

 

Pre-Mod.

Recorded Investment

 

Post-Mod.

Recorded

Investment

Real estate secured:                              
   Commercial   —   $—   $—    3   $190   $190 

Construction and land

Development

   —    —    —    —    —    — 
   Residential 1-4 family   1    35    35    27    1,236    1,236 
   Multifamily   —    —    —    —    —    — 
   Farmland   —    —    —    —    —    — 
Total real estate loans   —    —    —    30    1,426    1,426 
Commercial   —    —    —    —    —    — 
Agriculture   —    —    —    —    —    — 
Consumer installment loans   —    —    —    2    7    7 
All other loans   —    —    —    —    —    — 
Total   1   $35   $35    32   $1,433   $1,433 
XML 46 R34.htm IDEA: XBRL DOCUMENT v3.22.1
BANK PREMISES AND EQUIPMENT (Tables)
 12 Months Ended
Dec. 31, 2021
Property, Plant and Equipment [Abstract]  
Schedule of bank premises and equipment
          
(Dollars are in thousands)  2021  2020
Land  $7,424   $7,796 
Buildings and improvements   16,252    16,227 
Furniture and equipment   14,139    16,253 
Construction in progress   —      1,025 
    37,815    43,008 
Less accumulated depreciation   (17,080)   (18,726)
Bank Premises and Equipment  $20,735   $22,174 
XML 47 R35.htm IDEA: XBRL DOCUMENT v3.22.1
INCOME TAXES (Tables)
 12 Months Ended
Dec. 31, 2021
Income Tax Disclosure [Abstract]  
Schedule of pre-tax book income
          
(Dollars are in thousands)  2021  2020

 

Pre-tax book income

          
      Domestic  $8,952   $3,993 
Total pre-tax book income  $8,952   $3,993 
Schedule of components of income tax expense
          
(Dollars are in thousands)  2021  2020

 

Current income tax expense (benefit)

          
     Federal  $(172)  $(200)
     State   —      —   
Total current income tax expense (benefit)   (172)   (200)

 

Deferred income tax expense      
     Federal   2,067    1,304 
     State   47    (1)
Total deferred income tax expense   2,114    1,303 
Income tax expense  $1,942   $1,103 
Schedule of reconciliation of income tax expense
          
(Dollars are in thousands)  2021  2020
Income tax expense (benefit) at the applicable federal rate  $1,879   $839 
Permanent differences resulting from:          
     Nondeductible expenses   7    8 
     Tax exempt interest income   (4)   (7)
     Bank owned life insurance   (7)   (16)
Other adjustments   67    279 
Income tax expense  $1,942   $1,103 
Schedule of net deferred tax assets and liabilities
          
(Dollars are in thousands)  2021  2020
Deferred Tax Assets          
     Allowance for loan losses  $1,500   $1,568 
     Deferred compensation   85    92 
     Nonaccrual loan interest   532    490 
     Unrealized loss on securities available for sale   216    —   
     Other real estate owned   305    83 
     Amortization of core deposits   6    18 
     Amortization of goodwill   31    90 
     Capitalized interest and repair expense   23    23 
     Net operating loss carryforward   460    2,172 
     Other   98    33 
Total Assets, gross   3,256    4,569 
Valuation allowance   —      —   
Total Assets, net   3,256    4,569 
Deferred Tax Liabilities          
     Accelerated depreciation   1,105    869 
     Unrealized gain on securities available for sale   —      197 
     Prepaid expenses   27    22 
     Deferred loan costs   451    355 
Total Liabilities, gross   1,583    1,443 
Net Deferred Tax Asset  $1,673   $3,126 
XML 48 R36.htm IDEA: XBRL DOCUMENT v3.22.1
OTHER REAL ESTATE OWNED (Tables)
 12 Months Ended
Dec. 31, 2021
Real Estate [Abstract]  
Schedule of other real estate owned
          
   2021  2020
(Dollars are in thousands)          
Balance, beginning of year  $3,334   $3,393 
Additions   566    1,128 
Transfers from premises and equipment   950    —   
Proceeds from sales   (2,645)   (687)
Proceeds from insurance claims   (54)   —   
Loans made to finance sales   (400)   (428)
Adjustment of carrying value   (466)   (132)
Gains (losses) from sales   76    60 
Balance, end of year  $1,361   $3,334 
XML 49 R37.htm IDEA: XBRL DOCUMENT v3.22.1
LEASING ACTIVITIES (Tables)
 12 Months Ended
Dec. 31, 2021
Leases [Abstract]  
Schedule of future minimum rental commitments under the non-cancellable operating leases
   
2022 $ 441
2023   455
2024   455
2025   455
2026   455
Thereafter   2,698
Total lease payments   4,959
Less imputed interest   897
     
Total $ 4,062
XML 50 R38.htm IDEA: XBRL DOCUMENT v3.22.1
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)
 12 Months Ended
Dec. 31, 2021
Investments, All Other Investments [Abstract]  
Schedule of financial instruments with credit risk
          
   2021  2020
(Dollars in thousands)          
Commitments to extend credit  $69,015   $57,334 
Standby letters of credit   3,684    2,031 
XML 51 R39.htm IDEA: XBRL DOCUMENT v3.22.1
CAPITAL (Tables)
 12 Months Ended
Dec. 31, 2021
Schedule of capital requirements
               
    Actual Minimum Capital Requirement Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions
(Dollars are in thousands) Amount Ratio Amount Ratio   Amount Ratio
December 31, 2021:
Total Capital to Risk Weighted Assets $ 85,890 16.23% $ 42,332  8.0% $ 52,915 10.0%
Tier 1 Capital to Risk Weighted Assets   79,274 14.98% 31,749  6.0%   42,332 8.0%
Tier 1 Capital to Average Assets   79,274 9.86% 32,145 4.0%   40,181 5.0%
Common Equity Tier 1 Capital
      to Risk Weighted Assets   79,274 14.98% 23,812 4.5%   34,395 6.5%

 

December 31, 2020:

Total Capital to Risk Weighted Assets $ 77,133 16.41% $ 37,603  8.0% $ 47,028 10.0%
Tier 1 Capital to Risk Weighted Assets   71,241 15.16% 28,202  6.0%   37,603 8.0%
Tier 1 Capital to Average Assets   71,241 9.49% 29,989 4.0%   37,545 5.0%
Common Equity Tier 1 Capital
      to Risk Weighted Assets   71,241 15.16% 30,036 4.5%   30,552 6.5%
XML 52 R40.htm IDEA: XBRL DOCUMENT v3.22.1
FAIR VALUES (Tables)
 12 Months Ended
Dec. 31, 2021
Fair Value Disclosures [Abstract]  
Schedule of summary of assets and liabilities measured at fair value
             

 

 

 

 

(Dollars are in thousands)

  

 

Quoted market price in active markets

(Level 1)

  

 

 

Significant other observable inputs

(Level 2)

  

 

Significant unobservable inputs

(Level 3)

(On a recurring basis)

Available for sale investments

            
    U.S. Treasuries $ - $ 7,671 $  
    U.S. Government Agencies   -   9,089   -
    Taxable municipals   -   22,980   -
    Corporate bonds   -   2,019   -
    Mortgage backed securities   -   65,599   -
             

(On a non-recurring basis)

Other real estate owned

   -   -   1,361
Impaired loans:            
  Real estate secured:            
      Commercial   -   -   414
      Construction and land development   -   -   24
      Residential 1-4 family   -   -   1,848
      Multifamily   -   -   -
      Farmland   -   -   517
  Commercial   -   -   28
  Agriculture   -   -   -
  Consumer installment loans   -   -   2
  All other loans   -   -   -
Total $ - $ 107,358 $ 4,194

 

Assets and liabilities measured at fair value are as follows as of December 31, 2020 (for purpose of this table the impaired loans are shown net of the related allowance):

 

             

 

 

 

 

(Dollars are in thousands)

  

 

Quoted market price in active markets

(Level 1)

  

 

 

Significant other observable inputs

(Level 2)

  

 

Significant unobservable inputs

(Level 3)

(On a recurring basis)

Available for sale investments

            
    U.S. Government Agencies $ - $ 14,107 $ -
    Taxable municipals   -   5,345   -
    Corporate bonds   -   6,048   -
    Mortgage backed securities   -   22,906   -
             

(On a non-recurring basis)

Other real estate owned

   -   -   3,334
Impaired loans:            
  Real estate secured:            
      Commercial   -   -   1,377
      Construction and land development   -   -   99
      Residential 1-4 family   -   -   1,927
      Multifamily   -   -   -
      Farmland   -   -   597
  Commercial   -   -   25
  Agriculture   -   -   -
  Consumer installment loans   -   -   5
  All other loans   -   -   -
Total $ - $ 48,406 $ 7,364
Schedule of significant unobservable inputs In level 3 assets
                     

 

 

 

 

(Dollars in thousands)

  

 

 

 

Fair Value at December 31,

2021

  

 

 

 

Fair Value at

December 31,

2020

  

 

 

 

 

Valuation Technique

  

 

 

 

 

Significant Unobservable Inputs

  

 

 

General Range of Significant Unobservable Input Values

                     
Impaired Loans $ 2,667 $ 4,030   Appraised Value/Discounted Cash Flows/Market Value of Note   Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell   0 – 18%
                     
Other Real Estate Owned $ 1,361 $ 3,334   Appraised Value/Comparable Sales/Other Estimates from Independent Sources   Discounts to reflect current market conditions and estimated costs to sell   0 – 18%

 

 

 

 

 
Schedule of estimated fair value of financial instruments
                     
            Fair Value Measurements

 

 

 

 

 

(Dollars are in thousands)

  

 

 

 

 

Carrying

Amount

  

 

 

 

 

Fair

Value

  

Quoted market price in active markets

(Level 1)

  

 

Significant other observable inputs

(Level 2)

  

 

 

Significant unobservable inputs

(Level 3)

                     
December 31, 2021                    
Financial Instruments – Assets                    
   Net Loans $ 587,009 $ 580,024 $ - $ 577,357 $ 2,667
                     
Financial Instruments – Liabilities                    
   Time Deposits   196,285   198,353   -   198,353   -
   Borrowed Funds   16,496   15,649   -   15,649   -
                     
December 31, 2020                    
Financial Instruments – Assets                    
   Net Loans $ 568,375 $ 564,664 $ - $ 560,634 $ 4,030
                     
Financial Instruments – Liabilities                    
   Time Deposits   234,449   237,768   -   237,768   -
   Borrowed Funds   21,496   16,788   -   16,788   -
XML 53 R41.htm IDEA: XBRL DOCUMENT v3.22.1
NONINTEREST EXPENSES (Tables)
 12 Months Ended
Dec. 31, 2021
Noninterest Expenses  
Schedule of noninterest expenses
          
(Dollars are in thousands)  2021  2020
 Advertising, sponsorships and donations  $252   $216 
 ATM network expense   1,473    1,476 
 Legal and professional fees   922    839 
 Consulting fees   269    504 
 Loan related expenses   599    353 
 Printing and supplies   133    141 
 FDIC insurance premiums   266    393 
 Other real estate owned expenses, net   506    307 
 Other operating expenses   2,556    2,507 
 Total  $6,976   $6,736 
XML 54 R42.htm IDEA: XBRL DOCUMENT v3.22.1
PARENT CORPORATION ONLY FINANCIAL STATEMENTS (Tables)
 12 Months Ended
Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]  
Schedule of parent corporation only condensed balance sheets
          
   2021  2020
ASSETS          
Due from banks  $187   $215 
Investment in subsidiaries   78,460    72,990 
Other assets   1,645    1,669 
Total Assets  $80,292   $74,874 
           
LIABILITIES          
Accrued interest payable  $104   $109 
Accrued expenses and other liabilities   61    92 
Trust preferred securities   16,496    16,496 
Total Liabilities   16,661    16,697 
           
STOCKHOLDERS’ EQUITY          

Common stock - $2.00 par value, 50,000,000 shares authorized;

23,922,086 shares issued and outstanding at both

December 31, 2021 and 2020

   47,844    47,844 
Additional paid capital   14,570    14,570 
Retained earnings (deficit)   2,031    (4,979)
Accumulated other comprehensive (loss) income   (814)   742 
Total Stockholders’ Equity   63,631    58,177 
Total Liabilities and Stockholders’ Equity  $80,292   $74,874 
Schedule of parent corporation only condensed statements of income
          
   2021  2020
       
Income          
Miscellaneous income  $13   $16 
Dividends from subsidiaries   430    610 
Undistributed income of subsidiaries   7,026    2,842 
Total income   7,469    3,468 
           
Expenses          
Trust preferred securities interest expense   420    541 
Professional fees   99    114 
Other operating expenses   58    19 
Total Expenses   577    674 
           
Income before Income Taxes   6,892    2,794 
Income Tax Benefit   (118)   (96)
Net Income  $7,010   $2,890 
Schedule of parent corporation only condensed statements of cash flows
          
   2021  2020
       
Cash Flows From Operating Activities          
Net income  $7,010   $2,890 

Adjustments to reconcile net income to net cash used in

operating activities:

          
     Equity in undistributed earnings of subsidiaries   (6,580)   (2,842)
     Net (increase) decrease in other assets   (422)   67 
     Net decrease in other liabilities   (36)   (109)
Net cash (used in) provided by operating activities   (28)   6 
           
Net (decrease) increase in Cash and Cash Equivalents   (28)   6 
Cash and Cash Equivalents, Beginning of year   215    209 
Cash and Cash Equivalents, End of Year  $187   $215 
           
Supplemental Disclosure of Cash Paid During the Year for:          
     Interest  $425   $614 
     Taxes  $—     $(166)
XML 55 R43.htm IDEA: XBRL DOCUMENT v3.22.1
SELECTED QUARTERLY INFORMATION (UNAUDITED) (Tables)
 12 Months Ended
Dec. 31, 2021
Quarterly Financial Information Disclosure [Abstract]  
Schedule of selected quarterly information
                    
  2021 QUARTERS
(Dollars in thousands except per share data)  Fourth  Third  Second  First
Income statement                    
Net interest income  $6,729    7,418    6,651   $6,413 
Provision for loan losses   —      —      186    186 
Noninterest income   2,503    2,970    2,378    2,129 
Noninterest expense   6,727    8,067    6,724    6,349 
Net income   1,917    1,845    1,663    1,585 
Earnings per share, basic and diluted *   0.08    0.08    0.07    0.07 
Period end balance sheet                    
Total loans receivable  $593,744    574,053    591,914   $594,454 
Total assets   794,647    800,849    797,588    810,266 
Total deposits   707,513    713,489    711,367    720,954 
Total stockholders’ equity   63,631    62,518    60,964    59,347 
                     

    2020 QUARTERS
                    
(Dollars in thousands except per share data)   Fourth    Third    Second    First 
Income statement                    
Net interest income  $6,447    6,414   $6,140   $6,142 
Noninterest income   300    450    550    1,000 
Provision for loan losses   2,234    2,116    1,628    2,165 
Noninterest expense   6,272    6,282    7,192    7,251 
Net income (loss)   1,391    1,424    29    46 
Earnings (loss) per share, basic and diluted   0.06    0.06    0.00    0.00 
Period end balance sheet                    
Total loans receivable  $575,566    585,122   $587,566   $560,468 
Total assets   756,302    749,125    754,651    715,144 
Total deposits   668,012    661,672    668,404    629,525 
Total stockholders’ equity   58,177    56,919    55,473    55,251 

 

* - For 2021, quarterly income per share does not total year-to-date income per share due to rounding.
XML 56 R44.htm IDEA: XBRL DOCUMENT v3.22.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)
 12 Months Ended
Dec. 31, 2021
Building [Member]  
Property, Plant and Equipment [Line Items]  
Estimated useful life 39 years
Land Improvements [Member]  
Property, Plant and Equipment [Line Items]  
Estimated useful life 15 years
Computer Equipment [Member] | Minimum [Member]  
Property, Plant and Equipment [Line Items]  
Estimated useful life 3 years
Computer Equipment [Member] | Maximum [Member]  
Property, Plant and Equipment [Line Items]  
Estimated useful life 5 years
Vehicles [Member]  
Property, Plant and Equipment [Line Items]  
Estimated useful life 5 years
Furniture and Fixtures [Member] | Minimum [Member]  
Property, Plant and Equipment [Line Items]  
Estimated useful life 5 years
Furniture and Fixtures [Member] | Maximum [Member]  
Property, Plant and Equipment [Line Items]  
Estimated useful life 10 years
XML 57 R45.htm IDEA: XBRL DOCUMENT v3.22.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details Narrative)
$ in Thousands
Dec. 31, 2021
USD ($)
Accounting Policies [Abstract]  
Affiliated Current $ 15,900
XML 58 R46.htm IDEA: XBRL DOCUMENT v3.22.1
INCOME PER SHARE (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2021
Sep. 30, 2021
Jun. 30, 2021
Mar. 31, 2021
Dec. 31, 2020
Sep. 30, 2020
Jun. 30, 2020
Mar. 31, 2020
Dec. 31, 2021
Dec. 31, 2020
Income Per Share                    
Net income $ 1,917 $ 1,845 $ 1,663 $ 1,585 $ 1,391 $ 1,424 $ 29 $ 46 $ 7,010 $ 2,890
Weighted average shares outstanding                 23,922,086 23,922,086
Weighted average dilutive shares outstanding                 23,992,086 23,992,086
XML 59 R47.htm IDEA: XBRL DOCUMENT v3.22.1
DEPOSITS IN AND FEDERAL FUNDS SOLD TO BANKS (Details Narrative) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Deposits In And Federal Funds Sold To Banks    
Unsecured lines of credit $ 30,000 $ 20,000
XML 60 R48.htm IDEA: XBRL DOCUMENT v3.22.1
INVESTMENT SECURITIES (Details) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Marketable Securities [Line Items]    
Amortized Cost $ 108,388,000 $ 47,467,000
Gross Unrealized Gains 404,000 1,084,000
Gross Unrealized Losses 1,434,000 145,000
Approximate Fair Value 107,358,000 48,406,000
US Treasury Securities [Member]    
Marketable Securities [Line Items]    
Amortized Cost 7,791,000  
Gross Unrealized Gains 2,000  
Gross Unrealized Losses 122,000  
Approximate Fair Value 7,671,000  
US Government Agencies Debt Securities [Member]    
Marketable Securities [Line Items]    
Amortized Cost 9,098,000 13,852,000
Gross Unrealized Gains 77,000 322,000
Gross Unrealized Losses 86,000 67,000
Approximate Fair Value 9,089,000 14,107,000
Taxable Municipal Notes [Member]    
Marketable Securities [Line Items]    
Amortized Cost 23,075,000 5,157,000
Gross Unrealized Gains 159,000 188,000
Gross Unrealized Losses 254,000
Approximate Fair Value 22,980,000 5,345,000
Corporate Debt Securities [Member]    
Marketable Securities [Line Items]    
Amortized Cost 2,014,000 5,893,000
Gross Unrealized Gains 23,000 186,000
Gross Unrealized Losses 18,000 31,000
Approximate Fair Value 2,019,000 6,048,000
Collateralized Mortgage Backed Securities [Member]    
Marketable Securities [Line Items]    
Amortized Cost 66,410,000 22,565,000
Gross Unrealized Gains 143,000 388,000
Gross Unrealized Losses 954,000 47,000
Approximate Fair Value $ 65,599,000 $ 22,906,000
XML 61 R49.htm IDEA: XBRL DOCUMENT v3.22.1
INVESTMENT SECURITIES (Details 1) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Marketable Securities [Line Items]    
Fair Value, Less than 12 Months $ 73,879,000 $ 10,215,000
Unrealized Losses, Less than 12 Months 1,145,000 87,000
Fair Value, 12 Months or More 10,103,000 4,047,000
Unrealized Losses, 12 Months or More 289,000 58,000
Fair Value, Total 83,982,000 14,262,000
Unrealized Losses, Total 1,434,000 145,000
US Treasury Securities [Member]    
Marketable Securities [Line Items]    
Fair Value, Less than 12 Months 6,200,000  
Unrealized Losses, Less than 12 Months 122,000  
Fair Value, 12 Months or More  
Unrealized Losses, 12 Months or More  
Fair Value, Total 6,200,000  
Unrealized Losses, Total 122,000  
US Government Agencies Debt Securities [Member]    
Marketable Securities [Line Items]    
Fair Value, Less than 12 Months 977,000 1,479,000
Unrealized Losses, Less than 12 Months 10,000 12,000
Fair Value, 12 Months or More 3,434,000 3,829,000
Unrealized Losses, 12 Months or More 76,000 55,000
Fair Value, Total 4,411,000 5,308,000
Unrealized Losses, Total 86,000 67,000
Taxable Municipal Notes [Member]    
Marketable Securities [Line Items]    
Fair Value, Less than 12 Months 13,040,000
Unrealized Losses, Less than 12 Months 237,000
Fair Value, 12 Months or More 387,000
Unrealized Losses, 12 Months or More 17,000
Fair Value, Total 13,427,000
Unrealized Losses, Total 254,000
Corporate Debt Securities [Member]    
Marketable Securities [Line Items]    
Fair Value, Less than 12 Months 1,482,000 1,219,000
Unrealized Losses, Less than 12 Months 18,000 31,000
Fair Value, 12 Months or More
Unrealized Losses, 12 Months or More
Fair Value, Total 1,482,000 1,219,000
Unrealized Losses, Total 18,000 31,000
Collateralized Mortgage Backed Securities [Member]    
Marketable Securities [Line Items]    
Fair Value, Less than 12 Months 52,180,000 7,517,000
Unrealized Losses, Less than 12 Months 758,000 44,000
Fair Value, 12 Months or More 6,282,000 218,000
Unrealized Losses, 12 Months or More 196,000 3,000
Fair Value, Total 58,462,000 7,735,000
Unrealized Losses, Total $ 954,000 $ 47,000
XML 62 R50.htm IDEA: XBRL DOCUMENT v3.22.1
INVESTMENT SECURITIES (Details 2) - USD ($)
$ in Thousands
Dec. 31, 2021
Dec. 31, 2020
     Investment securities activity:    
Due in one year or less, amortized Cost $ 1,051  
Due in one year or less, fair value 1,060  
Due after one year through five years, amortized cost 7,858  
Due after one year through five years, fair value 7,804  
Due after five years through ten years, amortized cost 12,819  
Due after five years through ten years, fair value 12,747  
Due after ten years, amortized cost 86,660  
Due after ten years, fair value 85,747  
Amortized cost, total 108,388 $ 47,467
Approximate fair value $ 107,358 $ 48,406
XML 63 R51.htm IDEA: XBRL DOCUMENT v3.22.1
INVESTMENT SECURITIES (Details Narrative) - USD ($)
$ in Thousands
Dec. 31, 2021
Dec. 31, 2020
     Investment securities activity:    
Investment securities of carrying value $ 12,100 $ 6,800
Securities were sold $ 322,000 $ 4,000
XML 64 R52.htm IDEA: XBRL DOCUMENT v3.22.1
LOANS (Details) - USD ($)
$ in Thousands
Dec. 31, 2021
Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases $ 593,744 $ 575,566
Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 514,800 462,329
Commercial Borrower [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 54,325 86,010
Commercial Borrower [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 206,162 179,381
Real Estate Investment [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 32,325 25,031
Residential Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 32,325 25,031
Residential Real Estate [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 224,530 222,980
Multifamily [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 33,048 16,569
Multifamily [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 33,048 16,569
Farmland [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 18,735 18,368
Farmland [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 18,735 18,368
Agriculture [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 4,021 4,450
Consumer Installment Loans [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 18,756 20,632
Consumer Installment Loans [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases $ 1,842 $ 2,145
XML 65 R53.htm IDEA: XBRL DOCUMENT v3.22.1
LOANS (Details 1) - USD ($)
$ in Thousands
Dec. 31, 2021
Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans receivable on nonaccrual status $ 2,941 $ 5,548
Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans receivable on nonaccrual status 2,925 5,083
Commercial Borrower [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans receivable on nonaccrual status 9 453
Commercial Borrower [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans receivable on nonaccrual status 415 2,225
Real Estate Investment [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans receivable on nonaccrual status 37 57
Residential Real Estate [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans receivable on nonaccrual status 2,314 2,700
Multifamily [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans receivable on nonaccrual status 111
Farmland [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans receivable on nonaccrual status 48 101
Consumer Loan [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans receivable on nonaccrual status $ 7 $ 12
XML 66 R54.htm IDEA: XBRL DOCUMENT v3.22.1
LOANS (Details 2) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment $ 2,833,000 $ 5,082,000
Unpaid Principal Balance 3,709,000 5,926,000
Related Allowance 166,000 1,052,000
Impaired Financing Receivables With No Related Allowance [Member] | Commercial Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment
Unpaid Principal Balance
Related Allowance
Impaired Financing Receivables With No Related Allowance [Member] | Agriculture [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment  
Unpaid Principal Balance  
Related Allowance  
Impaired Financing Receivables With No Related Allowance [Member] | Consumer Loan [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment 2,000 5,000
Unpaid Principal Balance 2,000 6,000
Related Allowance
Impaired Financing Receivables With No Related Allowance [Member] | All Other Loans [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment  
Unpaid Principal Balance  
Related Allowance  
Impaired Financing Receivables With No Related Allowance [Member] | Consumer Installment Loans [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment  
Unpaid Principal Balance  
Related Allowance  
Impaired Financing Receivables With Related Allowance [Member] | Commercial Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment 28,000 429,000
Unpaid Principal Balance 35,000 437,000
Related Allowance 2,000 404,000
Impaired Financing Receivables With Related Allowance [Member] | Agriculture [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment
Unpaid Principal Balance
Related Allowance
Impaired Financing Receivables With Related Allowance [Member] | Consumer Loan [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment
Unpaid Principal Balance
Related Allowance
Impaired Financing Receivables With Related Allowance [Member] | All Other Loans [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment
Unpaid Principal Balance
Related Allowance
Commercial Real Estate [Member] | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment 315,000  
Commercial Real Estate [Member] | Real Estate [Member] | Impaired Financing Receivables With No Related Allowance [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment 99,000 385,000
Unpaid Principal Balance 140,000 386,000
Related Allowance
Commercial Real Estate [Member] | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment   1,566,000
Unpaid Principal Balance 372,000 1,678,000
Related Allowance 94,000 574,000
Real Estate Investment [Member] | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment  
Real Estate Investment [Member] | Real Estate [Member] | Impaired Financing Receivables With No Related Allowance [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment 24,000 99,000
Unpaid Principal Balance 298,000 376,000
Related Allowance
Real Estate Investment [Member] | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment  
Unpaid Principal Balance
Related Allowance
Residential Real Estate [Member] | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment 340,000  
Residential Real Estate [Member] | Real Estate [Member] | Impaired Financing Receivables With No Related Allowance [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment 1,508,000 1,662,000
Unpaid Principal Balance 1,791,000 1,898,000
Related Allowance
Residential Real Estate [Member] | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment   337,000
Unpaid Principal Balance 372,000 365,000
Related Allowance 53,000 72,000
Multifamily [Member] | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment  
Multifamily [Member] | Real Estate [Member] | Impaired Financing Receivables With No Related Allowance [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment
Unpaid Principal Balance
Related Allowance
Multifamily [Member] | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment  
Unpaid Principal Balance
Related Allowance
Farmland [Member] | Real Estate [Member] | Impaired Financing Receivables With No Related Allowance [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment 320,000 391,000
Unpaid Principal Balance 490,000 560,000
Related Allowance
Farmland [Member] | Real Estate [Member] | Impaired Financing Receivables With Related Allowance [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Recorded Investment 197,000 208,000
Unpaid Principal Balance 209,000 220,000
Related Allowance $ 17,000 $ 2,000
XML 67 R55.htm IDEA: XBRL DOCUMENT v3.22.1
LOANS (Details 3) - USD ($)
$ in Thousands
Dec. 31, 2021
Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases $ 593,744 $ 575,566
Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 514,800 462,329
Commercial Borrower [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 54,325 86,010
Commercial Borrower [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 206,162 179,381
Real Estate Investment [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 32,325 25,031
Residential Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 32,325 25,031
Residential Real Estate [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 224,530 222,980
Multifamily [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 33,048 16,569
Multifamily [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 33,048 16,569
Farmland [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 18,735 18,368
Farmland [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 18,735 18,368
Agriculture [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 4,021 4,450
Consumer Loan [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases 18,756 20,632
Consumer Installment Loans [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total loans and leases $ 1,842 $ 2,145
XML 68 R56.htm IDEA: XBRL DOCUMENT v3.22.1
LOANS (Details 4) - USD ($)
Dec. 31, 2021
Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total $ 593,744,000 $ 575,566,000
Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 514,800,000 462,329,000
Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 579,137,000 555,544,000
Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 11,706,000 14,614,000
Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 2,901,000 5,408,000
Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total
Real Estate [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 501,366,000 446,683,000
Real Estate [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 10,550,000 10,703,000
Real Estate [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 2,884,000 4,943,000
Real Estate [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total
Commercial Portfolio Segment [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 53,162,000 81,846,000
Commercial Portfolio Segment [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 1,154,000 3,711,000
Commercial Portfolio Segment [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 9,000 453,000
Commercial Portfolio Segment [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total
Commercial Portfolio Segment [Member] | Real Estate [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 198,022,000 171,212,000
Commercial Portfolio Segment [Member] | Real Estate [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 7,725,000 6,112,000
Commercial Portfolio Segment [Member] | Real Estate [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 415,000 2,057,000
Commercial Portfolio Segment [Member] | Real Estate [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total
Commercial Borrower [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 54,325,000 86,010,000
Commercial Borrower [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 206,162,000 179,381,000
Real Estate Investment [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 32,325,000 25,031,000
Real Estate Investment [Member] | Real Estate [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 31,366,000 23,168,000
Real Estate Investment [Member] | Real Estate [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 922,000 1,806,000
Real Estate Investment [Member] | Real Estate [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 37,000 57,000
Real Estate Investment [Member] | Real Estate [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total
Residential Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 32,325,000 25,031,000
Residential Real Estate [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 224,530,000 222,980,000
Residential Real Estate [Member] | Real Estate [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 221,342,000 218,947,000
Residential Real Estate [Member] | Real Estate [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 915,000 1,304,000
Residential Real Estate [Member] | Real Estate [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 2,273,000 2,729,000
Residential Real Estate [Member] | Real Estate [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total
Multifamily [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 33,048,000 16,569,000
Multifamily [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 33,048,000 16,569,000
Multifamily [Member] | Real Estate [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 32,499,000 16,337,000
Multifamily [Member] | Real Estate [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 438,000 232,000
Multifamily [Member] | Real Estate [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 111,000
Multifamily [Member] | Real Estate [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total
Farmland [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 18,735,000 18,368,000
Farmland [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 18,735,000 18,368,000
Farmland [Member] | Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total   18,368,000
Farmland [Member] | Real Estate [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 18,137,000 17,019,000
Farmland [Member] | Real Estate [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 550,000 1,249,000
Farmland [Member] | Real Estate [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 48,000 100,000
Farmland [Member] | Real Estate [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total
Agriculture [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 4,021,000 4,450,000
Agriculture [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 4,021,000 4,255,000
Agriculture [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 195,000
Agriculture [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total
Agriculture [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total
Consumer Loan [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 18,756,000 20,632,000
Consumer Loan [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 18,746,000 20,615,000
Consumer Loan [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 2,000 5,000
Consumer Loan [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 8,000 12,000
Consumer Loan [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total
Consumer Installment Loans [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 1,842,000 2,145,000
Consumer Installment Loans [Member] | Pass [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total 1,842,000 2,145,000
Consumer Installment Loans [Member] | Special Mention [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total
Consumer Installment Loans [Member] | Substandard [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total
Consumer Installment Loans [Member] | Doubtful [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Total
XML 69 R57.htm IDEA: XBRL DOCUMENT v3.22.1
ALLOWANCE FOR LOAN LOSSES (Details) - USD ($)
$ in Thousands
Dec. 31, 2021
Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]    
Loans receivable $ 593,744 $ 575,566
Commercial Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
 Individually evluated for impairment  94 574
 Individually evluated for impairment  414 1,951
 Collectively evaluated for impairment  205,748 177,430
Loans receivable 206,162 179,381
Residential Real Estate [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
 Individually evluated for impairment 
 Individually evluated for impairment  24 99
 Collectively evaluated for impairment  32,301 24,932
Loans receivable 32,325 25,031
Residential One Four Family [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
 Individually evluated for impairment  53 72
 Individually evluated for impairment  1,848 1,999
 Collectively evaluated for impairment  222,682 220,981
Loans receivable 224,530 222,980
Multifamily [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
 Individually evluated for impairment 
 Individually evluated for impairment 
 Collectively evaluated for impairment  33,048 16,569
Loans receivable 33,048 16,569
Farmland [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
 Individually evluated for impairment  17 2
 Individually evluated for impairment  517 599
 Collectively evaluated for impairment  18,218 17,769
Loans receivable 18,735 18,368
Commercial [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
 Individually evluated for impairment  2 404
 Individually evluated for impairment  28 429
 Collectively evaluated for impairment  54,297 85,581
Loans receivable 54,325 86,010
Agriculture [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
 Individually evluated for impairment 
 Individually evluated for impairment 
 Collectively evaluated for impairment  4,021 4,450
Loans receivable 4,021 4,450
Consumer And All Other [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
 Individually evluated for impairment 
 Individually evluated for impairment  2 5
 Collectively evaluated for impairment  20,596 22,772
Loans receivable 20,598 22,777
Unallocated Financing Receivables [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
 Individually evluated for impairment 
 Individually evluated for impairment 
 Collectively evaluated for impairment 
Loans receivable
Total [Member]    
Accounts, Notes, Loans and Financing Receivable [Line Items]    
 Individually evluated for impairment  166 1,052
 Individually evluated for impairment  2,833 5,082
 Collectively evaluated for impairment  590,911 570,484
Loans receivable $ 593,744 $ 575,566
XML 70 R58.htm IDEA: XBRL DOCUMENT v3.22.1
BANK PREMISES AND EQUIPMENT (Details) - USD ($)
$ in Thousands
Dec. 31, 2021
Dec. 31, 2020
Property, Plant and Equipment [Line Items]    
Bank premises and equipment, gross, total $ 37,815 $ 43,008
Less accumulated depreciation (17,080) (18,726)
Bank premises and equipment, net, total 20,735 22,174
Land [Member]    
Property, Plant and Equipment [Line Items]    
Bank premises and equipment, gross, total 7,424 7,796
Building and Building Improvements [Member]    
Property, Plant and Equipment [Line Items]    
Bank premises and equipment, gross, total 16,252 16,227
Furniture and Fixtures [Member]    
Property, Plant and Equipment [Line Items]    
Bank premises and equipment, gross, total 14,139 16,253
Construction in Progress [Member]    
Property, Plant and Equipment [Line Items]    
Bank premises and equipment, gross, total $ 1,025
XML 71 R59.htm IDEA: XBRL DOCUMENT v3.22.1
INCOME TAXES (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Operating Loss Carryforwards [Line Items]    
Total pre-tax book income $ 8,952 $ 3,993
Domestic Tax Authority [Member]    
Operating Loss Carryforwards [Line Items]    
Total pre-tax book income $ 8,952 $ 3,993
XML 72 R60.htm IDEA: XBRL DOCUMENT v3.22.1
INCOME TAXES (Details 1) - USD ($)
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Operating Loss Carryforwards [Line Items]    
Total current income tax expense (benefit) $ (172,000) $ (200,000)
Total deferred income tax expense 1,866,000 1,103,000
Income tax expense 1,942,000 1,103,000
Foreign Tax Authority [Member]    
Operating Loss Carryforwards [Line Items]    
Total current income tax expense (benefit) (172,000) (200,000)
Total deferred income tax expense 2,067,000 1,304,000
State and Local Jurisdiction [Member]    
Operating Loss Carryforwards [Line Items]    
Total current income tax expense (benefit)
Total deferred income tax expense $ 47,000 $ (1,000)
XML 73 R61.htm IDEA: XBRL DOCUMENT v3.22.1
INCOME TAXES (Details 2) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Income Tax Disclosure [Abstract]    
Income tax expense (benefit) at the applicable federal rate $ 1,879 $ 839
Permanent differences resulting from:    
     Nondeductible expenses 7 8
     Tax exempt interest income 4 7
Other adjustments 67 279
Income tax expense $ 1,942 $ 1,103
XML 74 R62.htm IDEA: XBRL DOCUMENT v3.22.1
INCOME TAXES (Details 3) - USD ($)
$ in Thousands
Dec. 31, 2021
Dec. 31, 2020
Deferred Tax Assets    
     Allowance for loan losses $ 1,500 $ 1,568
     Deferred compensation 85 92
     Amortization of goodwill 31 90
     Net operating loss carryforward 460 2,172
     Other 98 33
Total Assets, gross 3,256 4,569
Valuation allowance
Total Assets, net 3,256 4,569
Deferred Tax Liabilities    
     Unrealized gain on securities available for sale 197
     Prepaid expenses 27 22
Total Liabilities, gross 1,583 1,443
Net Deferred Tax Asset $ 1,673 $ 3,126
XML 75 R63.htm IDEA: XBRL DOCUMENT v3.22.1
RELATED PARTY TRANSACTIONS (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Related Party Transactions [Abstract]    
Ending balance $ 4,187 $ 2,457
New loans and advances on lines 2,620 4,567
Payments and other reductions (3,388) (2,837)
Ending balance $ 3,419 $ 4,187
XML 76 R64.htm IDEA: XBRL DOCUMENT v3.22.1
LEASING ACTIVITIES (Details)
$ in Thousands
Dec. 31, 2021
USD ($)
Leases [Abstract]  
2022 $ 441
2023 455
2024 455
2025 455
2026 455
Thereafter 2,698
Less imputed interest 897
Total $ 4,062
XML 77 R65.htm IDEA: XBRL DOCUMENT v3.22.1
BORROWED FUNDS (Details) - USD ($)
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Net Investment Income [Line Items]    
Average weighted balance $ 18,970,000 $ 21,496,000
Average interest rate paid during the year 2.39% 2.84%
Average interest rate at year end 2.46% 2.29%
Revolving Credit Facility [Member]    
Net Investment Income [Line Items]    
Highest balance at any month-end
Average weighted balance
Federal Funds Lines [Member]    
Net Investment Income [Line Items]    
Highest balance at any month-end 1,020,000
Average weighted balance $ 8,000
Average interest rate paid during the year 2.51%  
Short-term Debt [Member]    
Net Investment Income [Line Items]    
Highest balance at any month-end $ 5,000,000 5,000,000
Average weighted balance $ 2,466,000 $ 2,555,000
Average interest rate paid during the year 1.36% 1.36%
Average interest rate at year end   1.34%
Long-term Debt [Member]    
Net Investment Income [Line Items]    
Highest balance at any month-end $ 5,000,000
Average weighted balance $ 2,445,000
Average interest rate paid during the year   1.36%
NPB Capital Trust I [Member]    
Net Investment Income [Line Items]    
Highest balance at any month-end 11,341,000 $ 11,341,000
Average weighted balance $ 11,341,000 $ 11,341,000
Average interest rate paid during the year 2.81% 3.55%
Average interest rate at year end 2.72% 2.84%
NPB Capital Trust 2 [Member]    
Net Investment Income [Line Items]    
Highest balance at any month-end $ 5,155,000 $ 5,155,000
Average weighted balance $ 5,155,000 $ 5,155,000
Average interest rate paid during the year 1.97% 2.70%
Average interest rate at year end 1.89% 2.01%
XML 78 R66.htm IDEA: XBRL DOCUMENT v3.22.1
BORROWED FUNDS (Details 1)
$ in Thousands
Dec. 31, 2021
USD ($)
Borrowed Funds  
2022
2023
2024
2025
2026
2026 and thereafter 2,027
Advances from Federal Home Loan Banks $ 16,496
XML 79 R67.htm IDEA: XBRL DOCUMENT v3.22.1
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Details) - USD ($)
$ in Thousands
Dec. 31, 2021
Dec. 31, 2020
Commitments to Extend Credit [Member]    
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]    
Financial instruments with off-balance sheet risk $ 69,015 $ 2,031
Standby Letters of Credit [Member]    
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Line Items]    
Financial instruments with off-balance sheet risk $ 3,684 $ 57,334
XML 80 R68.htm IDEA: XBRL DOCUMENT v3.22.1
CAPITAL (Details) - Bank
$ in Thousands
Dec. 31, 2021
USD ($)
Dec. 31, 2020
USD ($)
Total Capital to Risk Weighted Assets, Actual, Amount $ 85,890 $ 77,133
Total Capital to Risk Weighted Assets, Actual, Ratio 0.1623 0.1641
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount $ 42,332 $ 37,603
Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio 0.080 0.080
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount $ 52,915 $ 47,028
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio 0.100 0.100
Tier 1 Capital Risk Weighted Assets, Actual, Amount $ 79,274 $ 71,241
Tier 1 Capital Risk Weighted Assets, Actual, Ratio 0.1498 0.1516
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Amount $ 31,749 $ 28,202
Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Ratio 0.060 0.060
Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount $ 42,332 $ 37,603
Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio 0.080 0.080
Tier 1 Capital to Average Assets, Actual, Amount $ 79,274 $ 71,241
Tier 1 Capital to Average Assets, Actual, Ratio 0.0986 0.0949
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Amount $ 32,145 $ 29,989
Tier 1 Capital to Average Assets, Minimum Capital Requirement, Ratio 0.040 0.040
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount $ 40,181 $ 37,545
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio 0.050 0.050
Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Amount $ 79,274 $ 71,241
Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Ratio 0.1498 0.1516
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount $ 23,812 $ 30,036
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio 0.045 0.045
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount $ 34,395 $ 30,552
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio 0.065 0.065
XML 81 R69.htm IDEA: XBRL DOCUMENT v3.22.1
FAIR VALUES (Details) - Fair Value, Recurring [Member] - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Fair Value, Inputs, Level 1 [Member] | U S Treasuries [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale investments  
Fair Value, Inputs, Level 1 [Member] | US Government Agencies Debt Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale investments
Fair Value, Inputs, Level 1 [Member] | Taxable Municipals    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale investments
Fair Value, Inputs, Level 1 [Member] | Corporate Bond Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale investments
Fair Value, Inputs, Level 1 [Member] | Collateralized Mortgage Backed Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale investments
Fair Value, Inputs, Level 2 [Member] | U S Treasuries [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale investments 7,671  
Fair Value, Inputs, Level 2 [Member] | US Government Agencies Debt Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale investments 9,089 14,107
Fair Value, Inputs, Level 2 [Member] | Taxable Municipals    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale investments 22,980 5,345
Fair Value, Inputs, Level 2 [Member] | Corporate Bond Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale investments 2,019 6,048
Fair Value, Inputs, Level 2 [Member] | Collateralized Mortgage Backed Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale investments 65,599 22,906
Fair Value, Inputs, Level 3 [Member] | US Government Agencies Debt Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale investments
Fair Value, Inputs, Level 3 [Member] | Taxable Municipals    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale investments
Fair Value, Inputs, Level 3 [Member] | Corporate Bond Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale investments
Fair Value, Inputs, Level 3 [Member] | Collateralized Mortgage Backed Securities [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Available for sale investments
XML 82 R70.htm IDEA: XBRL DOCUMENT v3.22.1
FAIR VALUES (Details 2) - USD ($)
$ in Thousands
Dec. 31, 2021
Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Net Loans $ 587,009 $ 568,375
Fair Value, Inputs, Level 1 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Net Loans
Time deposits
FHLB advances
Fair Value, Inputs, Level 2 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Net Loans 577,357 560,634
Time deposits 198,353 237,768
FHLB advances 15,649 16,788
Fair Value, Inputs, Level 3 [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Net Loans 2,667 4,030
Time deposits
FHLB advances
Carrying Reported Amount Fairs Value Disclosure [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Net Loans 587,009 568,375
Time deposits 196,285 234,449
FHLB advances 16,496 21,496
Estimate Of Fair Value Fair Values Disclosure [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Net Loans 580,024 564,664
Time deposits 198,353 237,768
FHLB advances $ 15,649 $ 16,788
XML 83 R71.htm IDEA: XBRL DOCUMENT v3.22.1
REVENUE FROM CONTRACTS WITH CUSTOMERS (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2021
Sep. 30, 2021
Jun. 30, 2021
Mar. 31, 2021
Dec. 31, 2020
Sep. 30, 2020
Jun. 30, 2020
Mar. 31, 2020
Dec. 31, 2021
Dec. 31, 2020
Revenue from Contract with Customer [Abstract]                    
Service charges and fees                 $ 3,724 $ 3,217
Insurance and investment fees                 1,029 716
Gains on sales of available-for-sale securities [1]                 322 4
Other noninterest income                 1,034 896
Total Noninterest Income $ 2,503 $ 2,970 $ 2,378 $ 2,129 $ 2,234 $ 2,116 $ 1,628 $ 2,165 $ 9,980 $ 8,147
[1] – Not within the scope of ASU 2014-9
XML 84 R72.htm IDEA: XBRL DOCUMENT v3.22.1
NONINTEREST EXPENSES (Details) - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Noninterest Expenses    
 Advertising, sponsorships and donations $ 252 $ 216
 Legal and professional fees 922 839
 Consulting fees 269 504
 Loan related expenses 599 353
 Printing and supplies 133 141
 FDIC insurance premiums 266 393
 Total $ 6,976 $ 6,736
XML 85 R73.htm IDEA: XBRL DOCUMENT v3.22.1
PARENT CORPORATION ONLY FINANCIAL STATEMENTS (Details) - USD ($)
$ in Thousands
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
ASSETS      
Due from banks $ 14,952 $ 16,023  
Other assets 9,391 10,317  
LIABILITIES      
Accrued interest payable 272 436  
Accrued expenses and other liabilities 2,673 2,742  
Total Liabilities 731,016 698,125  
STOCKHOLDERS’ EQUITY      
Common stock - $2.00 par value, 50,000,000 shares authorized; 23,922,086 shares issued and outstanding at both December 31, 2021 and 2020 47,844 47,844  
Retained earnings (deficit) 2,031 (4,979)  
Accumulated other comprehensive (loss) income (814) 742  
Total Stockholders’ Equity 63,631 58,177 $ 54,602
Total Liabilities and Stockholders’ Equity 794,647 756,302  
Parent Company [Member]      
ASSETS      
Due from banks 187 215  
Investment in subsidiaries 78,460 72,990  
Other assets 1,645 1,669  
Total Assets 80,292 74,874  
LIABILITIES      
Accrued interest payable 104 109  
Accrued expenses and other liabilities 61 92  
Total Liabilities 16,661 16,697  
STOCKHOLDERS’ EQUITY      
Common stock - $2.00 par value, 50,000,000 shares authorized; 23,922,086 shares issued and outstanding at both December 31, 2021 and 2020 47,844 47,844  
Additional paid capital 14,570 14,570  
Retained earnings (deficit) 2,031 (4,979)  
Accumulated other comprehensive (loss) income (814) 742  
Total Stockholders’ Equity 63,631 58,177  
Total Liabilities and Stockholders’ Equity $ 80,292 $ 74,874  
XML 86 R74.htm IDEA: XBRL DOCUMENT v3.22.1
PARENT CORPORATION ONLY FINANCIAL STATEMENTS (Details 1) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2021
Sep. 30, 2021
Jun. 30, 2021
Mar. 31, 2021
Dec. 31, 2020
Sep. 30, 2020
Jun. 30, 2020
Mar. 31, 2020
Dec. 31, 2021
Dec. 31, 2020
Expenses                    
Professional fees                 $ 269 $ 504
Other operating expenses                 6,976 6,736
Total Expenses $ 6,727 $ 8,067 $ 6,724 $ 6,349 $ 6,272 $ 6,282 $ 7,192 $ 7,251 27,867 26,997
Income before Income Taxes                 8,952 3,993
Income Tax Benefit                 1,942 1,103
Net Income $ 1,917 $ 1,845 $ 1,663 $ 1,585 $ 1,391 $ 1,424 $ 29 $ 46 7,010 2,890
Parent Company [Member]                    
Income                    
Dividends from subsidiaries                 (430) (610)
Total income                 7,469 3,468
Expenses                    
Trust preferred securities interest expense                 420 541
Professional fees                 99 114
Other operating expenses                 58 19
Total Expenses                 577 674
Income before Income Taxes                 6,892 2,794
Income Tax Benefit                 (118) (96)
Net Income                 $ 7,010 $ 2,890
XML 87 R75.htm IDEA: XBRL DOCUMENT v3.22.1
PARENT CORPORATION ONLY FINANCIAL STATEMENTS (Details 2) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2021
Sep. 30, 2021
Jun. 30, 2021
Mar. 31, 2021
Dec. 31, 2020
Sep. 30, 2020
Jun. 30, 2020
Mar. 31, 2020
Dec. 31, 2021
Dec. 31, 2020
Cash Flows From Operating Activities                    
Net income $ 1,917 $ 1,845 $ 1,663 $ 1,585 $ 1,391 $ 1,424 $ 29 $ 46 $ 7,010 $ 2,890
Adjustments to reconcile net income to net cash used in operating activities:                    
     Net (increase) decrease in other assets                 403 77
Net cash (used in) provided by operating activities                 13,800 8,574
Net (decrease) increase in Cash and Cash Equivalents                 (31,404) 42,203
Supplemental Disclosure of Cash Paid During the Year for:                    
     Interest                 2,865 5,151
     Taxes                 (166)
Parent Company [Member]                    
Cash Flows From Operating Activities                    
Net income                 7,010 2,890
Adjustments to reconcile net income to net cash used in operating activities:                    
     Equity in undistributed earnings of subsidiaries                 6,580 2,842
     Net (increase) decrease in other assets                 422 (67)
     Net decrease in other liabilities                 (36) (109)
Net cash (used in) provided by operating activities                 (28) 6
Net (decrease) increase in Cash and Cash Equivalents                 (28) 6
Cash and Cash Equivalents, Beginning of year       $ 215       $ 209 215 209
Cash and Cash Equivalents, End of Year $ 187       $ 215       187 215
Supplemental Disclosure of Cash Paid During the Year for:                    
     Interest                 425 614
     Taxes                 $ (166)
XML 88 R76.htm IDEA: XBRL DOCUMENT v3.22.1
SELECTED QUARTERLY INFORMATION (UNAUDITED) (Details) - USD ($)
$ in Thousands
 3 Months Ended 12 Months Ended
Dec. 31, 2021
Sep. 30, 2021
Jun. 30, 2021
Mar. 31, 2021
Dec. 31, 2020
Sep. 30, 2020
Jun. 30, 2020
Mar. 31, 2020
Dec. 31, 2021
Dec. 31, 2020
Income statement                    
Net interest income $ 6,729 $ 7,418 $ 6,651 $ 6,413 $ 6,447 $ 6,414 $ 6,140 $ 6,142 $ 27,211 $ 25,143
Noninterest income 186 186 300 450 550 1,000 372 2,300
Provision for loan losses 2,503 2,970 2,378 2,129 2,234 2,116 1,628 2,165 9,980 8,147
Noninterest expense 6,727 8,067 6,724 6,349 6,272 6,282 7,192 7,251 27,867 26,997
NET INCOME 1,917 1,845 1,663 1,585 1,391 1,424 29 46 $ 7,010 $ 2,890
Period end balance sheet                    
Total loans receivable 593,744 574,053 591,914 594,454 575,566 585,122 587,566 560,468    
Total assets 794,647 800,849 797,588 810,266 756,302 749,125 754,651 715,144    
Total deposits $ 707,513 $ 713,489 $ 711,367 $ 720,954 $ 668,012 $ 661,672 $ 668,404 $ 629,525    
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VA 31-1804543 67 Commerce Drive 24260 Honaker VA 276 873-7000 None Common Stock - $2 Par Value No No Yes Yes Non-accelerated Filer true false false 21089972000 23922086 Elliott Davis, LLC 149 Greenville, South Carolina 14952000 16023000 45766000 76105000 228000 222000 60946000 92350000 107358000 48406000 389000 593744000 575566000 6735000 7191000 587009000 568375000 20735000 22174000 1361000 3334000 2112000 2392000 1673000 3126000 9391000 10317000 794647000 756302000 251257000 223725000 456256000 444287000 707513000 668012000 272000 436000 2673000 2742000 731016000 698125000 2.00 2.00 50000000 50000000 23922086 23922086 23922086 23922086 47844000 47844000 14570000 14570000 2031000 -4979000 -814000 742000 63631000 58177000 794647000 756302000 28323000 28638000 1000 95000 208000 1377000 1048000 117000 141000 29912000 30036000 2248000 4284000 453000 609000 2701000 4893000 27211000 25143000 372000 2300000 26839000 22843000 3724000 3217000 1029000 716000 322000 4000 1034000 896000 9980000 8147000 12662000 13228000 5785000 4536000 2444000 2497000 6976000 6736000 27867000 26997000 8952000 3993000 1942000 1103000 7010000 2890000 7010000 2890000 -1647000 871000 -322000 -4000 -1969000 867000 -413000 182000 -1556000 685000 5454000 3575000 23922000 47844000 14570000 -7869000 57000 54602000 2890000 2890000 685000 685000 23922000 47844000 14570000 -4979000 742000 58177000 7010000 7010000 -1556000 -1556000 23922000 47844000 14570000 2031000 -814000 63631000 7010000 2890000 2097000 2189000 372000 2300000 104000 174000 -1098000 -19000 126000 58000 5814000 11948000 6307000 11735000 466000 165000 -482000 -419000 1866000 1103000 -280000 277000 -403000 -77000 -164000 -258000 -19000 473000 13800000 8574000 85082000 9584000 7686000 1025000 16315000 11254000 4094000 2141000 1203000 1000 54000 2645000 760000 -79705000 -12906000 27532000 52943000 34501000 46535000 -31404000 42203000 92350000 50147000 60946000 92350000 2865000 5151000 -166000 566000 1128000 <p id="xdx_80E_eus-gaap--NatureOfOperations_zvQ6AOmGONVb" style="font: 11pt/12.6pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>NOTE 1 <span id="xdx_823_zXWNiW2Dnnw">NATURE OF OPERATIONS</span></b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Nature of Operations – </b>New Peoples Bankshares, Inc. (New Peoples) is a financial holding company whose principal activity is the ownership and management of a community bank, New Peoples Bank, Inc. (the Bank). New Peoples and the Bank are each organized and incorporated under the laws of the Commonwealth of Virginia. As a state-chartered member bank, the Bank is subject to regulation by the Virginia Bureau of Financial Institutions, the Federal Deposit Insurance Corporation and the Board of Governors of the Federal Reserve System. The Bank provides general banking services to individuals, small and medium size businesses and the professional community of southwest Virginia, southern West Virginia, northeastern Tennessee and western North Carolina. These services include commercial and consumer loans along with traditional deposit products such as checking and savings accounts.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_804_eus-gaap--SignificantAccountingPoliciesTextBlock_zceGhmSnXs64" style="font: 11pt/12.6pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>NOTE 2 <span id="xdx_825_zTXAwHACxy67">SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</span></b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_84A_ecustom--BasisOfPresentationAndConsolidationPolicies_zHNmBVF2WcZ2" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86E_zFKUsZhliLug">Basis of Presentation and Consolidation</span> </b>- The consolidated financial statements include New Peoples, the Bank, NPB Insurance Services, Inc., and NPB Web Services, Inc. (Hereinafter, collectively referred to as the Company, we, us, or our). All significant intercompany balances and transactions have been eliminated. In accordance with Accounting Standards Codification (ASC) 942, Financial Services – Depository and Lending, NPB Capital Trust I and 2 are not included in the consolidated financial statements.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_84F_eus-gaap--UseOfEstimates_z9h1A4El7rF4" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_863_zdivtht4oRHf">Use of Estimates</span> -</b> The preparation of financial statements in conformity with generally accepted accounting principles of the United States (GAAP) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. The determination of the adequacy of the allowance for loan losses and the determination of the deferred tax asset and related valuation allowance are based on estimates that are particularly susceptible to significant changes in the economic environment and market conditions.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_84E_eus-gaap--CashAndCashEquivalentsPolicyTextBlock_z3VxpKjRSAbk" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_862_zIlDIffeZ004">Cash and Cash Equivalents</span></b> – Cash and cash equivalents as used in the cash flow statements include cash and due from banks, interest-bearing deposits with banks, federal funds sold and investment securities maturing within three months.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_84D_eus-gaap--InvestmentPolicyTextBlock_zXR7cdx12yDi" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_867_zF2IvUxKvXm1">Investment Securities</span></b> – Management determines the appropriate classification of securities at the time of purchase. If management has the intent and the Company has the ability at the time of purchase to hold securities until maturity, they are classified as held to maturity and carried at amortized historical cost. Securities not intended to be held to maturity are classified as available-for-sale and carried at fair value. Securities available-for-sale are intended to be used as part of the Company’s asset and liability management strategy and may be sold in response to changes in interest rates, prepayment risk or other similar factors.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The amortization of premiums and accretion of discounts are recognized in interest income using the effective interest method over the period to maturity for discounts and the earlier of call date or maturity for premiums. Realized gains and losses on dispositions are based on the net proceeds and the adjusted book value of the securities sold, using the specific identification method. Realized gains (losses) on securities available-for-sale are included in noninterest income and, when applicable, are reported as a reclassification adjustment, net of tax, in other comprehensive income. Unrealized gains and losses on investment securities available for sale are based on the difference between book value and fair value of each security. These gains and losses are credited or charged to other comprehensive income, net of tax, whereas realized gains and losses flow through the statements of income.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_84D_eus-gaap--FinanceLoanAndLeaseReceivablesHeldForSalePolicy_z4jSL994rNW5" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86A_zY6OCfyyWGxd">Loans held for sale</span> – </b>Mortgage loans originated and intended for sale in the secondary market are carried at the lower of aggregate cost or fair value, as determined by outstanding commitments from investors. Net unrealized losses, if any, are recorded as a valuation allowance through earnings. Mortgage loans held for sale are generally sold with servicing released. Gains and losses on sales of mortgages are based on the difference between the selling price and the carrying value of the related loan sold.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_84F_eus-gaap--FinanceLoansAndLeasesReceivablePolicy_zmaHffht0ga2" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_867_zYpmG0wOvPp4">Loans</span> – </b>Loans are carried on the balance sheet at unpaid principal balance, net of any unearned interest and the allowance for loan losses. Interest income on loans is computed using the effective interest method, except where serious doubt exists as to the collectability of the loan, in which case accrual of the income is discontinued.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">It is the Company’s policy to stop accruing interest on a loan, and classify that loan as non-accrual under the following circumstances: (a) whenever we are advised by the borrower that scheduled payment or interest payments cannot be met, (b) when our best judgment indicates that payment in full of principal and interest can no longer be expected, or (c) when any such loan or obligation becomes delinquent for 90 days unless it is both well secured and in the process of collection. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income, except in the case of a nonaccrual loan that is well secured and in the process of collection, in which case, the interest accrued but not collected is not reversed. The interest on these loans is accounted for on the cash basis or cost-recovery method, until qualifying for return to accrual status. Generally, loans are returned to accrual status when all the principal and interest amounts contractually due are brought current, six consecutive timely payments are made, and prospects for future contractual payments are reasonably assured.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">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 for commercial and construction loans 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.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_840_eus-gaap--ConcentrationRiskCreditRisk_zTbtxy9GBBG3" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86B_zAeQsQrgvXo2">Significant Group Concentrations of Credit Risk</span> – </b> The Company identifies a concentration as any obligation, direct or indirect, of the same or affiliated interests which represent 25% or more of the Company’s capital structure, or $<span id="xdx_903_eus-gaap--DueFromAffiliateCurrent_iI_pn3n3_dm_c20211231_zirPscCIx4pg" title="Affiliated Current">15.9</span> million as of December 31, 2021. Most of the Company’s activities are with customers located within southwest Virginia, southern West Virginia, northeastern Tennessee region and western North Carolina. Certain concentrations may pose credit risk. The Company does not have any significant concentrations to any one industry or customer.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_843_eus-gaap--LoansAndLeasesReceivableAllowanceForLoanLossesPolicy_ziL2REXTODuh" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86A_zqG5DqEyFuvb">Allowance for Loan Losses</span> – </b>The allowance for loan losses is maintained at a level that, in management’s judgment, is adequate to absorb credit losses inherent in the loan portfolio. The loan portfolio is analyzed periodically and loans are assigned a risk rating. Allowances for impaired loans are generally determined based on collateral values or the present value of expected cash flows. A general allowance is made for all other loans not considered impaired as deemed appropriate by management. In determining the adequacy of the allowance, management considers the following factors: the nature of the portfolio, credit concentrations, trends in historical loss experience, specific impaired loans, the estimated value of any underlying collateral, prevailing environmental factors and economic conditions, and other inherent risks. While management uses available information to recognize losses on loans, further reductions in the carrying amounts of loans may be necessary based on changes in collateral values and changes in estimates of cash flows on impaired loans. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The allowance is increased by a provision for loan losses, which is charged to expense and reduced by charge-offs, net of recoveries. Loans are charged against the allowance for loan losses when management believes that collectability of all or part of the principal is unlikely. Past due status is determined based on contractual terms.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In regard to our consumer and consumer real estate loan portfolio, the Company uses the guidance found in the Uniform Retail Credit Classification and Account Management Policy which affects our estimate of the allowance for loan losses. Under this approach, a consumer or consumer real estate loan must initially have a credit risk grade of Pass or better. Subsequently, if the loan becomes contractually 90 days past due or the borrower files for bankruptcy protection, the loan is downgraded to Substandard and placed in nonaccrual status. If the loan is unsecured, upon being deemed Substandard, the entire loan amount is charged off. For non-1-4 family residential loans that are 90 days past due or greater, or in bankruptcy, the collateral value less estimated liquidation costs is compared to the loan balance to calculate any potential deficiency. If the collateral is sufficient then no charge-off is necessary. If a deficiency exists, then upon the loan becoming contractually 120 days past due, the deficiency is charged-off against the allowance for loan loss. In the case of 1-4 family residential or home equity loans, upon the loan becoming 120 days past due, a current value is obtained and after application of an estimated liquidation discount, a comparison is made to the loan balance to calculate any deficiency. Subsequently, any noted deficiency is then charged-off against the allowance for loan loss when the loan becomes contractually 180 days past due. If the customer has filed bankruptcy, then within 60 days of the bankruptcy notice, any calculated deficiency is charged-off against the allowance for loan loss. Collection efforts continue by means of repossessions or foreclosures, and upon bank ownership, liquidation ensues.</span></p> <p id="xdx_84C_eus-gaap--PropertyPlantAndEquipmentPolicyTextBlock_zqHMyRbKOAq4" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86A_zvdYRP3k8vDa">Bank Premises and Equipment</span> </b>– Land, buildings and equipment are recorded at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the following estimated useful lives:</span></p> <p style="font: 10pt/11.8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_885_ecustom--PremisesandEquipmentUsefulLivesTableTextBlock_zEbCbPc3uCA3" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)"> <tr style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span id="xdx_8B3_zaxgK5RejXC7" style="display: none">Schedule of estimated useful lives</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"> </td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"> </td></tr> <tr style="vertical-align: top"> <td style="border-bottom: Black 1pt solid; width: 60%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Type</span></td> <td style="width: 4%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; width: 36%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Estimated useful life</span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Buildings</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_903_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--BuildingMember_zmRfsubrMEs9" title="Estimated useful life">39</span> years</span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Paving and landscaping</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_905_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LandImprovementsMember_zNiFpAtxQyF8" title="Estimated useful life">15</span> years</span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Computer equipment and software</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_909_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ComputerEquipmentMember__srt--RangeAxis__srt--MinimumMember_ztktDGsXi22" title="Estimated useful life">3</span> to <span id="xdx_901_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ComputerEquipmentMember__srt--RangeAxis__srt--MaximumMember_zu3nkjyHcLq4" title="Estimated useful life">5</span> years</span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Vehicles</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90B_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--VehiclesMember_zWY3IOqA1Fld" title="Estimated useful life">5</span> years</span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Furniture and other equipment</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_904_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--FurnitureAndFixturesMember__srt--RangeAxis__srt--MinimumMember_zujsf7YZqJL3" title="Estimated useful life">5</span> to <span id="xdx_903_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--FurnitureAndFixturesMember__srt--RangeAxis__srt--MaximumMember_zieqoSlletE1" title="Estimated useful life">10</span> years</span></td></tr> </table> <p style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; margin-right: 0; margin-left: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; margin-right: 0; margin-left: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Leasehold improvements are amortized over the terms of the respective leases or the estimated useful lives of the improvements, whichever is shorter. Repairs and maintenance costs are recorded as a component of noninterest expense as incurred.</span></p> <p id="xdx_84B_eus-gaap--RealEstateOwnedValuationAllowancePolicy_zcOyLThVgEo5" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b><span id="xdx_86B_zXMLWBjqEVa3">Other Real Estate Owned</span> </b>– Other real estate owned represents properties acquired through foreclosure or deeds taken in lieu of foreclosure and former branch sites that have been closed and for which there are no intentions to re-open or otherwise use the location. At the time of acquisition, these properties are recorded at fair value less estimated costs to sell. Expenses incurred in connection with operating these properties and subsequent write-downs, if any, are charged to operations. Subsequent to foreclosure, management periodically considers the adequacy of the reserve for losses on the property. Gains and losses on the sales of these properties are credited or charged to income in the year of the sale.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_840_ecustom--BankOwnedLifeInsurancePolicyTextBlock_zH3AVXOW2Cj7" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86C_zGNNq1qJY7J4">Bank Owned Life Insurance (BOLI)</span> – </b>The Bank purchased life insurance policies on certain, now-former, key officers and employees. BOLI is recorded at the cash surrender value. Tax-exempt income from changes in the net cash surrender value are recorded in noninterest income.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_848_eus-gaap--LesseeLeasesPolicyTextBlock_zUyPTZ3Cm1uk" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_864_zVPcTbLnTT37">Leases</span> </b>– A right-of-use asset and related lease liability is recognized for operating leases the Bank has entered into for certain office facilities. Most leases include one or more options to renew. The exercise of lease renewal options is typically at the sole discretion of management. If it is determined that it is reasonably certain that the Bank will exercise renewal options, the additional term is included in the calculation of the lease liability. As most of our leases do not provide an implicit rate, we use the fully collateralized Federal Home Loan Bank borrowing rate, commensurate with the lease terms at the lease commencement date in determining the present value of the lease payments.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_848_eus-gaap--IncomeTaxPolicyTextBlock_z5O04XGsVftd" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_866_zTcgLbQjwCC6">Income Taxes</span></b> – Deferred tax assets or liabilities are computed based upon the difference between financial statement and income tax bases of assets and liabilities using the enacted marginal tax rate. The Company provides a valuation allowance on its net deferred tax assets where it is more likely than not such assets will not be realized. At December 31, 2021 and 2020, the Company had no valuation allowance on its net deferred tax assets.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company recognizes the tax benefit from an uncertain tax position only if it is more likely than not the tax position will be sustained on examination by the taxing authorities, based on the technical merits of the position. The tax benefits recognized in the financial statements from such positions are then measured based on the largest benefit that has a greater than 50% likelihood of being realized upon settlement. See Note 10, Income Taxes, for additional information. The Company records any penalties and interest attributed to uncertain tax positions as a component of income tax expenses.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_84F_eus-gaap--EarningsPerSharePolicyTextBlock_zIRtnW7fhmml" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86B_zgOuTmHEecT2">Income Per Share</span></b> – Basic income per share computations are based on the weighted average number of shares outstanding during each period. Dilutive earnings per share reflect the additional common shares that would have been outstanding if dilutive potential common shares had been issued.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_84C_eus-gaap--OffBalanceSheetCreditExposurePolicyPolicyTextBlock_zogKcHai9wIb" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_869_zLIyfkmIgzaf">Financial Instruments – Off-balance-sheet instruments</span></b> - In the ordinary course of business, the Company has entered into commitments to extend credit. Such financial instruments are recorded in the financial statements when they are funded.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_841_eus-gaap--FairValueOfFinancialInstrumentsPolicy_zVjzitetFtW6" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86C_z4zbBeJFbqXe">Financial Instruments – Fair Value</span></b> – Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully discussed in Note 22. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risks, prepayments and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or market conditions could significantly affect these estimates.</span></p> <p id="xdx_84F_eus-gaap--ComprehensiveIncomePolicyPolicyTextBlock_zWZv6EkFMvu7" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_863_zawKO85qeoKj">Comprehensive Income</span> </b>– GAAP require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities, are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive income. The change in unrealized gains and losses on available-for-sale securities is the Company’s only component of other comprehensive income.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_844_eus-gaap--RevenueFromContractWithCustomerPolicyTextBlock_zXInW8wPSJI6" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86E_zcYgpeXXEKie">Revenue from Contracts with Customers</span> - </b>The Company generally satisfies its performance obligations fully on its contracts with customers as services are rendered; and the transaction prices are typically fixed, charged either on a periodic basis or based on activity.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_841_eus-gaap--AdvertisingCostsPolicyTextBlock_zJLaVQzybQag" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_869_zsTMLkzwrpp">Advertising Cost</span> </b>– Advertising costs are expensed in the period incurred. Those costs, which are included in Advertising, sponsorships and donations in Note 24 totaled $252 thousand and $216 thousand, for the years ended December 31, 2021 and 2020, respectively.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> <p id="xdx_841_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zgrU57w4BQEg" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_865_ztLc6rpIfEW3">Reclassification</span> </b>– Certain reclassifications have been made to the prior years’ financial statements to place them on a comparable basis with the current year. Net income and stockholders’ equity previously reported were not affected by these reclassifications.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_84A_eus-gaap--SubsequentEventsPolicyPolicyTextBlock_zBmMeAk53z7c" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span><span id="xdx_866_zND2HsUOUVUd">Subsequent Events</span></span></b> – The Company has evaluated subsequent events for potential recognition and/or disclosure through the date these consolidated financial statements were issued. See Note 25 Subsequent Events for additional information.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_84F_eus-gaap--UseOfEstimates_z9h1A4El7rF4" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_863_zdivtht4oRHf">Use of Estimates</span> -</b> The preparation of financial statements in conformity with generally accepted accounting principles of the United States (GAAP) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. The determination of the adequacy of the allowance for loan losses and the determination of the deferred tax asset and related valuation allowance are based on estimates that are particularly susceptible to significant changes in the economic environment and market conditions.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_84E_eus-gaap--CashAndCashEquivalentsPolicyTextBlock_z3VxpKjRSAbk" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_862_zIlDIffeZ004">Cash and Cash Equivalents</span></b> – Cash and cash equivalents as used in the cash flow statements include cash and due from banks, interest-bearing deposits with banks, federal funds sold and investment securities maturing within three months.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_84D_eus-gaap--InvestmentPolicyTextBlock_zXR7cdx12yDi" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_867_zF2IvUxKvXm1">Investment Securities</span></b> – Management determines the appropriate classification of securities at the time of purchase. If management has the intent and the Company has the ability at the time of purchase to hold securities until maturity, they are classified as held to maturity and carried at amortized historical cost. Securities not intended to be held to maturity are classified as available-for-sale and carried at fair value. Securities available-for-sale are intended to be used as part of the Company’s asset and liability management strategy and may be sold in response to changes in interest rates, prepayment risk or other similar factors.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The amortization of premiums and accretion of discounts are recognized in interest income using the effective interest method over the period to maturity for discounts and the earlier of call date or maturity for premiums. Realized gains and losses on dispositions are based on the net proceeds and the adjusted book value of the securities sold, using the specific identification method. Realized gains (losses) on securities available-for-sale are included in noninterest income and, when applicable, are reported as a reclassification adjustment, net of tax, in other comprehensive income. Unrealized gains and losses on investment securities available for sale are based on the difference between book value and fair value of each security. These gains and losses are credited or charged to other comprehensive income, net of tax, whereas realized gains and losses flow through the statements of income.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_84D_eus-gaap--FinanceLoanAndLeaseReceivablesHeldForSalePolicy_z4jSL994rNW5" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86A_zY6OCfyyWGxd">Loans held for sale</span> – </b>Mortgage loans originated and intended for sale in the secondary market are carried at the lower of aggregate cost or fair value, as determined by outstanding commitments from investors. Net unrealized losses, if any, are recorded as a valuation allowance through earnings. Mortgage loans held for sale are generally sold with servicing released. Gains and losses on sales of mortgages are based on the difference between the selling price and the carrying value of the related loan sold.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_84F_eus-gaap--FinanceLoansAndLeasesReceivablePolicy_zmaHffht0ga2" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_867_zYpmG0wOvPp4">Loans</span> – </b>Loans are carried on the balance sheet at unpaid principal balance, net of any unearned interest and the allowance for loan losses. Interest income on loans is computed using the effective interest method, except where serious doubt exists as to the collectability of the loan, in which case accrual of the income is discontinued.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">It is the Company’s policy to stop accruing interest on a loan, and classify that loan as non-accrual under the following circumstances: (a) whenever we are advised by the borrower that scheduled payment or interest payments cannot be met, (b) when our best judgment indicates that payment in full of principal and interest can no longer be expected, or (c) when any such loan or obligation becomes delinquent for 90 days unless it is both well secured and in the process of collection. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income, except in the case of a nonaccrual loan that is well secured and in the process of collection, in which case, the interest accrued but not collected is not reversed. The interest on these loans is accounted for on the cash basis or cost-recovery method, until qualifying for return to accrual status. Generally, loans are returned to accrual status when all the principal and interest amounts contractually due are brought current, six consecutive timely payments are made, and prospects for future contractual payments are reasonably assured.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">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 for commercial and construction loans 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.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_840_eus-gaap--ConcentrationRiskCreditRisk_zTbtxy9GBBG3" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86B_zAeQsQrgvXo2">Significant Group Concentrations of Credit Risk</span> – </b> The Company identifies a concentration as any obligation, direct or indirect, of the same or affiliated interests which represent 25% or more of the Company’s capital structure, or $<span id="xdx_903_eus-gaap--DueFromAffiliateCurrent_iI_pn3n3_dm_c20211231_zirPscCIx4pg" title="Affiliated Current">15.9</span> million as of December 31, 2021. Most of the Company’s activities are with customers located within southwest Virginia, southern West Virginia, northeastern Tennessee region and western North Carolina. Certain concentrations may pose credit risk. The Company does not have any significant concentrations to any one industry or customer.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> 15900000 <p id="xdx_843_eus-gaap--LoansAndLeasesReceivableAllowanceForLoanLossesPolicy_ziL2REXTODuh" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86A_zqG5DqEyFuvb">Allowance for Loan Losses</span> – </b>The allowance for loan losses is maintained at a level that, in management’s judgment, is adequate to absorb credit losses inherent in the loan portfolio. The loan portfolio is analyzed periodically and loans are assigned a risk rating. Allowances for impaired loans are generally determined based on collateral values or the present value of expected cash flows. A general allowance is made for all other loans not considered impaired as deemed appropriate by management. In determining the adequacy of the allowance, management considers the following factors: the nature of the portfolio, credit concentrations, trends in historical loss experience, specific impaired loans, the estimated value of any underlying collateral, prevailing environmental factors and economic conditions, and other inherent risks. While management uses available information to recognize losses on loans, further reductions in the carrying amounts of loans may be necessary based on changes in collateral values and changes in estimates of cash flows on impaired loans. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The allowance is increased by a provision for loan losses, which is charged to expense and reduced by charge-offs, net of recoveries. Loans are charged against the allowance for loan losses when management believes that collectability of all or part of the principal is unlikely. Past due status is determined based on contractual terms.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In regard to our consumer and consumer real estate loan portfolio, the Company uses the guidance found in the Uniform Retail Credit Classification and Account Management Policy which affects our estimate of the allowance for loan losses. Under this approach, a consumer or consumer real estate loan must initially have a credit risk grade of Pass or better. Subsequently, if the loan becomes contractually 90 days past due or the borrower files for bankruptcy protection, the loan is downgraded to Substandard and placed in nonaccrual status. If the loan is unsecured, upon being deemed Substandard, the entire loan amount is charged off. For non-1-4 family residential loans that are 90 days past due or greater, or in bankruptcy, the collateral value less estimated liquidation costs is compared to the loan balance to calculate any potential deficiency. If the collateral is sufficient then no charge-off is necessary. If a deficiency exists, then upon the loan becoming contractually 120 days past due, the deficiency is charged-off against the allowance for loan loss. In the case of 1-4 family residential or home equity loans, upon the loan becoming 120 days past due, a current value is obtained and after application of an estimated liquidation discount, a comparison is made to the loan balance to calculate any deficiency. Subsequently, any noted deficiency is then charged-off against the allowance for loan loss when the loan becomes contractually 180 days past due. If the customer has filed bankruptcy, then within 60 days of the bankruptcy notice, any calculated deficiency is charged-off against the allowance for loan loss. Collection efforts continue by means of repossessions or foreclosures, and upon bank ownership, liquidation ensues.</span></p> <p id="xdx_84C_eus-gaap--PropertyPlantAndEquipmentPolicyTextBlock_zqHMyRbKOAq4" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86A_zvdYRP3k8vDa">Bank Premises and Equipment</span> </b>– Land, buildings and equipment are recorded at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the following estimated useful lives:</span></p> <p style="font: 10pt/11.8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_885_ecustom--PremisesandEquipmentUsefulLivesTableTextBlock_zEbCbPc3uCA3" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)"> <tr style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span id="xdx_8B3_zaxgK5RejXC7" style="display: none">Schedule of estimated useful lives</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"> </td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"> </td></tr> <tr style="vertical-align: top"> <td style="border-bottom: Black 1pt solid; width: 60%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Type</span></td> <td style="width: 4%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; width: 36%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Estimated useful life</span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Buildings</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_903_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--BuildingMember_zmRfsubrMEs9" title="Estimated useful life">39</span> years</span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Paving and landscaping</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_905_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LandImprovementsMember_zNiFpAtxQyF8" title="Estimated useful life">15</span> years</span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Computer equipment and software</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_909_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ComputerEquipmentMember__srt--RangeAxis__srt--MinimumMember_ztktDGsXi22" title="Estimated useful life">3</span> to <span id="xdx_901_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ComputerEquipmentMember__srt--RangeAxis__srt--MaximumMember_zu3nkjyHcLq4" title="Estimated useful life">5</span> years</span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Vehicles</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90B_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--VehiclesMember_zWY3IOqA1Fld" title="Estimated useful life">5</span> years</span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Furniture and other equipment</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify; line-height: 11.8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_904_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--FurnitureAndFixturesMember__srt--RangeAxis__srt--MinimumMember_zujsf7YZqJL3" title="Estimated useful life">5</span> to <span id="xdx_903_eus-gaap--PropertyPlantAndEquipmentUsefulLife_dtY_c20210101__20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--FurnitureAndFixturesMember__srt--RangeAxis__srt--MaximumMember_zieqoSlletE1" title="Estimated useful life">10</span> years</span></td></tr> </table> <p style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; margin-right: 0; margin-left: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: justify; margin-right: 0; margin-left: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Leasehold improvements are amortized over the terms of the respective leases or the estimated useful lives of the improvements, whichever is shorter. Repairs and maintenance costs are recorded as a component of noninterest expense as incurred.</span></p> P39Y P15Y P3Y P5Y P5Y P5Y P10Y <p id="xdx_84B_eus-gaap--RealEstateOwnedValuationAllowancePolicy_zcOyLThVgEo5" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b><span id="xdx_86B_zXMLWBjqEVa3">Other Real Estate Owned</span> </b>– Other real estate owned represents properties acquired through foreclosure or deeds taken in lieu of foreclosure and former branch sites that have been closed and for which there are no intentions to re-open or otherwise use the location. At the time of acquisition, these properties are recorded at fair value less estimated costs to sell. Expenses incurred in connection with operating these properties and subsequent write-downs, if any, are charged to operations. Subsequent to foreclosure, management periodically considers the adequacy of the reserve for losses on the property. Gains and losses on the sales of these properties are credited or charged to income in the year of the sale.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_848_eus-gaap--LesseeLeasesPolicyTextBlock_zUyPTZ3Cm1uk" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_864_zVPcTbLnTT37">Leases</span> </b>– A right-of-use asset and related lease liability is recognized for operating leases the Bank has entered into for certain office facilities. Most leases include one or more options to renew. The exercise of lease renewal options is typically at the sole discretion of management. If it is determined that it is reasonably certain that the Bank will exercise renewal options, the additional term is included in the calculation of the lease liability. As most of our leases do not provide an implicit rate, we use the fully collateralized Federal Home Loan Bank borrowing rate, commensurate with the lease terms at the lease commencement date in determining the present value of the lease payments.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_848_eus-gaap--IncomeTaxPolicyTextBlock_z5O04XGsVftd" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_866_zTcgLbQjwCC6">Income Taxes</span></b> – Deferred tax assets or liabilities are computed based upon the difference between financial statement and income tax bases of assets and liabilities using the enacted marginal tax rate. The Company provides a valuation allowance on its net deferred tax assets where it is more likely than not such assets will not be realized. At December 31, 2021 and 2020, the Company had no valuation allowance on its net deferred tax assets.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company recognizes the tax benefit from an uncertain tax position only if it is more likely than not the tax position will be sustained on examination by the taxing authorities, based on the technical merits of the position. The tax benefits recognized in the financial statements from such positions are then measured based on the largest benefit that has a greater than 50% likelihood of being realized upon settlement. See Note 10, Income Taxes, for additional information. The Company records any penalties and interest attributed to uncertain tax positions as a component of income tax expenses.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_84F_eus-gaap--EarningsPerSharePolicyTextBlock_zIRtnW7fhmml" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86B_zgOuTmHEecT2">Income Per Share</span></b> – Basic income per share computations are based on the weighted average number of shares outstanding during each period. Dilutive earnings per share reflect the additional common shares that would have been outstanding if dilutive potential common shares had been issued.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_84C_eus-gaap--OffBalanceSheetCreditExposurePolicyPolicyTextBlock_zogKcHai9wIb" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_869_zLIyfkmIgzaf">Financial Instruments – Off-balance-sheet instruments</span></b> - In the ordinary course of business, the Company has entered into commitments to extend credit. Such financial instruments are recorded in the financial statements when they are funded.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_841_eus-gaap--FairValueOfFinancialInstrumentsPolicy_zVjzitetFtW6" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86C_z4zbBeJFbqXe">Financial Instruments – Fair Value</span></b> – Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully discussed in Note 22. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risks, prepayments and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or market conditions could significantly affect these estimates.</span></p> <p id="xdx_84F_eus-gaap--ComprehensiveIncomePolicyPolicyTextBlock_zWZv6EkFMvu7" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_863_zawKO85qeoKj">Comprehensive Income</span> </b>– GAAP require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities, are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive income. The change in unrealized gains and losses on available-for-sale securities is the Company’s only component of other comprehensive income.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_844_eus-gaap--RevenueFromContractWithCustomerPolicyTextBlock_zXInW8wPSJI6" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_86E_zcYgpeXXEKie">Revenue from Contracts with Customers</span> - </b>The Company generally satisfies its performance obligations fully on its contracts with customers as services are rendered; and the transaction prices are typically fixed, charged either on a periodic basis or based on activity.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_841_eus-gaap--AdvertisingCostsPolicyTextBlock_zJLaVQzybQag" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_869_zsTMLkzwrpp">Advertising Cost</span> </b>– Advertising costs are expensed in the period incurred. Those costs, which are included in Advertising, sponsorships and donations in Note 24 totaled $252 thousand and $216 thousand, for the years ended December 31, 2021 and 2020, respectively.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> <p id="xdx_841_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_zgrU57w4BQEg" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span id="xdx_865_ztLc6rpIfEW3">Reclassification</span> </b>– Certain reclassifications have been made to the prior years’ financial statements to place them on a comparable basis with the current year. Net income and stockholders’ equity previously reported were not affected by these reclassifications.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_84A_eus-gaap--SubsequentEventsPolicyPolicyTextBlock_zBmMeAk53z7c" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span><span id="xdx_866_zND2HsUOUVUd">Subsequent Events</span></span></b> – The Company has evaluated subsequent events for potential recognition and/or disclosure through the date these consolidated financial statements were issued. See Note 25 Subsequent Events for additional information.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_80E_eus-gaap--EarningsPerShareTextBlock_zy2KEsXtpm69" style="font: 11pt/11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>NOTE 3 <span id="xdx_822_zdg7uWjarlB6">INCOME PER SHARE</span></b></span></p> <p style="font: 11pt/11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Basic income per share computations are based on the weighted average number of shares outstanding during each year. Dilutive earnings per share reflect the additional common shares that would have been outstanding if dilutive potential common shares had been issued. For the years ended December 31, 2021 and 2020, there were no dilutive potential common shares. Basic and diluted net income per common share calculations follows:</span></p> <p style="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_88D_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_pn3n3_zorwjHhpLFT7" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - INCOME PER SHARE (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"><span id="xdx_8B1_zW8caMRaw5f" style="display: none">Schedule of basic and diluted net loss per common share calculations</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20210101__20211231_zoA0nQbfODUf" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20200101__20201231_zTs65Quebs2" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-style: italic; text-align: justify">(Amounts in thousands, except</td><td> </td> <td colspan="7" style="text-align: center">For the year ended</td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic; text-align: justify">share and per share data)</td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="border-bottom: Black 1pt solid; text-align: center">December 31,</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: justify"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr id="xdx_40F_eus-gaap--NetIncomeLoss_pn3n3_zkCZf5x1TXn8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 56%; text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Net income</td><td style="width: 8%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 12%; text-align: right">7,010</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 8%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 12%; text-align: right">2,890</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_pip0_zlNYXCuzQG3b" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Weighted average shares outstanding</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">23,922,086</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">23,922,086</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_pip0_zCRiMMgAUG05" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Weighted average dilutive shares outstanding</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">23,992,086</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">23,992,086</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_403_ecustom--EarningsPerSharesBasicAndDiluted_pip0_zwgzyiNpmSNk" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Basic and diluted income per share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.29</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.12</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_88D_eus-gaap--ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_pn3n3_zorwjHhpLFT7" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - INCOME PER SHARE (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"><span id="xdx_8B1_zW8caMRaw5f" style="display: none">Schedule of basic and diluted net loss per common share calculations</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20210101__20211231_zoA0nQbfODUf" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_492_20200101__20201231_zTs65Quebs2" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-style: italic; text-align: justify">(Amounts in thousands, except</td><td> </td> <td colspan="7" style="text-align: center">For the year ended</td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic; text-align: justify">share and per share data)</td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="border-bottom: Black 1pt solid; text-align: center">December 31,</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: justify"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr id="xdx_40F_eus-gaap--NetIncomeLoss_pn3n3_zkCZf5x1TXn8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 56%; text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Net income</td><td style="width: 8%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 12%; text-align: right">7,010</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td><td style="width: 8%; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; width: 1%; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; width: 12%; text-align: right">2,890</td><td style="width: 1%; padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--WeightedAverageNumberOfSharesOutstandingBasic_pip0_zlNYXCuzQG3b" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Weighted average shares outstanding</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">23,922,086</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">23,922,086</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--WeightedAverageNumberOfDilutedSharesOutstanding_pip0_zCRiMMgAUG05" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Weighted average dilutive shares outstanding</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">23,992,086</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td style="border-bottom: Black 2.5pt double; text-align: right">23,992,086</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr id="xdx_403_ecustom--EarningsPerSharesBasicAndDiluted_pip0_zwgzyiNpmSNk" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Basic and diluted income per share</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.29</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">0.12</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 7010000 2890000 23922086 23922086 23992086 23992086 30000000.0 20000000 <p id="xdx_800_eus-gaap--InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_z2Q2eA0NIkr3" style="font: 11pt/11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>NOTE 5 <span id="xdx_821_z3iWyM6kG8h4">INVESTMENT SECURITIES</span></b></span></p> <p style="font: 10pt/11pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt/11pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The amortized cost and estimated fair value of securities (all available-for-sale) as of December 31, 2021 and December 31, 2020 are as follows:</span></p> <table cellpadding="0" cellspacing="0" id="xdx_899_eus-gaap--AvailableForSaleSecuritiesTextBlock_pn3n3_zjJibKgqPQg" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - INVESTMENT SECURITIES (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><span id="xdx_8B6_zSsWesxTTf08" style="display: none">Schedule of securities amortized cost and estimated fair value</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="3" style="text-align: center"> </td><td> </td> <td colspan="3" style="text-align: center">Gross</td><td> </td> <td colspan="3">Gross</td><td> </td> <td colspan="3">Approximate</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="3" style="text-align: center">Amortized</td><td> </td> <td colspan="3" style="text-align: center">Unrealized</td><td> </td> <td colspan="3" style="text-align: center">Unrealized</td><td> </td> <td colspan="3">Fair</td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Cost</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Gains</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Losses</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Value</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold">December 31, 2021</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 40%; text-align: left; padding-left: 5.4pt">U.S. Treasuries</td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zpFHIMhxGlSl" style="width: 10%; text-align: right" title="Amortized Cost">7,791</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pdn3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zxcdAGHIOV3a" style="width: 10%; text-align: right" title="Gross Unrealized Gains">2</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zkmF9zu0F2x7" style="width: 10%; text-align: right" title="Gross Unrealized Losses">122</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--AvailableForSaleSecurities_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zTbyVPHMjjq7" style="width: 10%; text-align: right" title="Approximate Fair Value">7,671</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">U.S. Government Agencies</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Amortized Cost">9,098</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Gross Unrealized Gains">77</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Gross Unrealized Losses">86</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecurities_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Approximate Fair Value">9,089</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Taxable municipals</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Amortized Cost">23,075</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Gross Unrealized Gains">159</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Gross Unrealized Losses">254</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecurities_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Approximate Fair Value">22,980</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Corporate bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Amortized Cost">2,014</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Gross Unrealized Gains">23</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Gross Unrealized Losses">18</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecurities_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Approximate Fair Value">2,019</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Mortgage backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized Cost">66,410</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Gross Unrealized Gains">143</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Gross Unrealized Losses">954</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecurities_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Approximate Fair Value">65,599</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Total Securities available for sale</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized Cost">108,388</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Gains">404</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Losses">1,434</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--AvailableForSaleSecurities_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Approximate Fair Value">107,358</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-left: 5.4pt">December 31, 2020</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">U.S. Government Agencies</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Amortized Cost">13,852</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Gross Unrealized Gains">322</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Gross Unrealized Losses">67</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleSecurities_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Approximate Fair Value">14,107</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Taxable municipals</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Amortized Cost">5,157</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Gross Unrealized Gains">188</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Gross Unrealized Losses"><span style="-sec-ix-hidden: xdx2ixbrl0664">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecurities_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Approximate Fair Value">5,345</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Corporate bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Amortized Cost">5,893</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Gross Unrealized Gains">186</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Gross Unrealized Losses">31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecurities_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Approximate Fair Value">6,048</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Mortgage backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized Cost">22,565</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Gross Unrealized Gains">388</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Gross Unrealized Losses">47</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecurities_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Approximate Fair Value">22,906</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Total Securities available for sale</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized Cost">47,467</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Gains">1,084</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Losses">145</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--AvailableForSaleSecurities_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Approximate Fair Value">48,406</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AD_zN9lPTWbp9Ka" style="font: 11pt Times New Roman, Times, Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following table details unrealized losses and related fair values in the available-for-sale portfolio. This information is aggregated by the length of time that individual securities have been in a continuous unrealized loss position as of December 31, 2021 and December 31, 2020.</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_89C_eus-gaap--ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_pn3n3_z9VC0gjgwL76" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - INVESTMENT SECURITIES (Details 1)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"><span id="xdx_8B2_zolUGBNgPhQh" style="display: none">Schedule of fair value and gross unrealized losses on investment securities</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="border-bottom: Black 1pt solid; text-align: center">Less than 12 Months</td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="border-bottom: Black 1pt solid; text-align: center">12 Months or More</td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="border-bottom: Black 1pt solid; text-align: center">Total</td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Fair Value</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Value</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Value</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</span></p></td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: justify">December 31, 2021</td><td> </td> <td colspan="3" style="text-align: justify"> </td><td> </td> <td colspan="3" style="text-align: justify"> </td><td> </td> <td colspan="3" style="text-align: justify"> </td><td> </td> <td colspan="3" style="text-align: justify"> </td><td> </td> <td colspan="3" style="text-align: justify"> </td><td> </td> <td colspan="3" style="text-align: justify"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; text-align: justify; padding-left: 5.4pt">U.S. Treasuries</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zFWPgG3lw6C1" style="width: 6%; text-align: right" title="Fair Value, Less than 12 Months">6,200</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zYmzsPe3CK6g" style="width: 6%; text-align: right" title="Unrealized Losses, Less than 12 Months">122</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pdn3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z8MQSVcqSIx7" style="width: 6%; text-align: right" title="Fair Value, 12 Months or More"><span style="-sec-ix-hidden: xdx2ixbrl0698">—</span>  </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pdn3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z32kqRCsWm14" style="width: 6%; text-align: right" title="Unrealized Losses, 12 Months or More"><span style="-sec-ix-hidden: xdx2ixbrl0700">—</span>  </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zEmJDnUvmAA3" style="width: 6%; text-align: right" title="Fair Value, Total">6,200</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zAxEKRCWc9Qa" style="width: 6%; text-align: right" title="Unrealized Losses, Total">122</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">U.S. Government Agencies</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Fair Value, Less than 12 Months">977</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Unrealized Losses, Less than 12 Months">10</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Fair Value, 12 Months or More">3,434</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Unrealized Losses, 12 Months or More">76</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Fair Value, Total">4,411</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Unrealized Losses, Total">86</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">Taxable municipals</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Fair Value, Less than 12 Months">13,040</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Unrealized Losses, Less than 12 Months">237</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Fair Value, 12 Months or More">387</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Unrealized Losses, 12 Months or More">17</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Fair Value, Total">13,427</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Unrealized Losses, Total">254</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">Corporate bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Fair Value, Less than 12 Months">1,482</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Unrealized Losses, Less than 12 Months">18</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Fair Value, 12 Months or More"><span style="-sec-ix-hidden: xdx2ixbrl0734">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Unrealized Losses, 12 Months or More"><span style="-sec-ix-hidden: xdx2ixbrl0736">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Fair Value, Total">1,482</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Unrealized Losses, Total">18</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Mtg. backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair Value, Less than 12 Months">52,180</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Unrealized Losses, Less than 12 Months">758</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair Value, 12 Months or More">6,282</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Unrealized Losses, 12 Months or More">196</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair Value, Total">58,462</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Unrealized Losses, Total">954</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Total Securities AFS</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair Value, Less than 12 Months">73,879</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Unrealized Losses, Less than 12 Months">1,145</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair Value, 12 Months or More">10,103</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Unrealized Losses, 12 Months or More">289</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair Value, Total">83,982</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Unrealized Losses, Total">1,434</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: justify; padding-left: 5.4pt">December 31, 2020</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">U.S. Government Agencies</td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Fair Value, Less than 12 Months">1,479</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Unrealized Losses, Less than 12 Months">12</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Fair Value, 12 Months or More">3,829</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Unrealized Losses, 12 Months or More">55</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Fair Value, Total">5,308</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Unrealized Losses, Total">67</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">Taxable municipals</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Fair Value, Less than 12 Months"><span style="-sec-ix-hidden: xdx2ixbrl0778">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Unrealized Losses, Less than 12 Months"><span style="-sec-ix-hidden: xdx2ixbrl0780">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Fair Value, 12 Months or More"><span style="-sec-ix-hidden: xdx2ixbrl0782">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Unrealized Losses, 12 Months or More"><span style="-sec-ix-hidden: xdx2ixbrl0784">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Fair Value, Total"><span style="-sec-ix-hidden: xdx2ixbrl0786">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Unrealized Losses, Total"><span style="-sec-ix-hidden: xdx2ixbrl0788">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">Corporate bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Fair Value, Less than 12 Months">1,219</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Unrealized Losses, Less than 12 Months">31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Fair Value, 12 Months or More"><span style="-sec-ix-hidden: xdx2ixbrl0794">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Unrealized Losses, 12 Months or More"><span style="-sec-ix-hidden: xdx2ixbrl0796">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Fair Value, Total">1,219</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Unrealized Losses, Total">31</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Mtg. backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair Value, Less than 12 Months">7,517</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Unrealized Losses, Less than 12 Months">44</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair Value, 12 Months or More">218</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Unrealized Losses, 12 Months or More">3</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair Value, Total">7,735</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Unrealized Losses, Total">47</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Total Securities AFS</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair Value, Less than 12 Months">10,215</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Unrealized Losses, Less than 12 Months">87</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair Value, 12 Months or More">4,047</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Unrealized Losses, 12 Months or More">58</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair Value, Total">14,262</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Unrealized Losses, Total">145</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> </table> <p id="xdx_8AF_zESgWAtqhmE" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At December 31, 2021, the available-for-sale portfolio included 113 investments for which the fair market value was less than amortized cost. At December 31, 2020, the available-for-sale portfolio included 42 investments for which the fair market value was less than amortized cost. Management evaluates securities for other-than-temporary impairment at least on a quarterly basis, 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 conditions 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 recovery in fair value. Based on the Company’s analysis, the Company concluded that no securities had other-than-temporary impairment at December 31, 2021 or December 31, 2020.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment securities with a carrying value of $<span id="xdx_902_eus-gaap--USGovernmentSecuritiesAtCarryingValue_iI_pn3n3_dm_c20211231_znestp48LNBj" title="Investment securities of carrying value">12.1</span> million and $<span id="xdx_90F_eus-gaap--USGovernmentSecuritiesAtCarryingValue_iI_pn3n3_dm_c20201231_zTCQiI9l4r66" title="Investment securities of carrying value">6.8</span> million at December 31, 2021 and 2020, respectively, were pledged to secure public deposits and for other purposes required by law.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">During the year ended December 31, 2021, $<span id="xdx_90B_ecustom--InvestmentSecurities_iI_pn3n3_dm_c20211231_zGCk7vIZC589" title="Investment securities">7.7</span> million of securities were sold, realizing $<span id="xdx_90D_eus-gaap--USGovernmentAgenciesSecuritiesAtCarryingValue_iI_pn3n3_dm_c20211231_zgR4au9Rfa35" title="Securities were sold">322</span> thousand in gains. During the year ended December 31, 2020, $<span id="xdx_902_ecustom--InvestmentSecurities_iI_pn3n3_dm_c20201231_zObFZy8UKdsd">1.0</span> million of securities were sold, realizing $<span id="xdx_905_eus-gaap--USGovernmentAgenciesSecuritiesAtCarryingValue_iI_pn3n3_dm_c20201231_zOo6gNFrNQij">4</span> thousand in gains.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The amortized cost and fair value of investment securities at December 31, 2021, by contractual maturity, are shown in the following schedule. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Also, actual maturities may differ from scheduled maturities on amortizing securities, such as mortgage-backed securities and collateralized mortgage obligations, because the underlying collateral on these types of securities may be repaid prior to the scheduled maturity date.</span></p> <table cellpadding="0" cellspacing="0" id="xdx_89E_eus-gaap--InvestmentsClassifiedByContractualMaturityDateTableTextBlock_pn3n3_zOYkmfWLZRyc" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - INVESTMENT SECURITIES (Details 2)"> <tr style="vertical-align: bottom; background-color: White"> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span id="xdx_8B1_zfqhiPNoO7e" style="display: none">Schedule of amortized cost and fair value of investment securities contractual maturity</span></td> <td colspan="2" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"> </td> <td colspan="2" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"> </td> <td colspan="2" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"> </td></tr> <tr style="vertical-align: bottom"> <td colspan="6" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Weighted</span></td></tr> <tr style="vertical-align: bottom"> <td colspan="2" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amortized </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average</span></td></tr> <tr style="vertical-align: bottom"> <td colspan="2" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Securities Available for Sale</span></span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cost</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Value</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yield</span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="white-space: nowrap; width: 48%; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Due in one year or less</span></td> <td style="white-space: nowrap; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_c20211231_pn3n3" style="white-space: nowrap; width: 15%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Due in one year or less, amortized Cost"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,051</span></td> <td style="white-space: nowrap; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_c20211231_pn3n3" style="white-space: nowrap; width: 14%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Due in one year or less, fair value"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,060</span></td> <td style="white-space: nowrap; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; width: 14%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_904_ecustom--AvailableForSaleOfSecuritiesPercentageOfYieldWithinOneYear_pip0_dp_c20210101__20211231_z0079OivDUUi" title="Due in one year or less, weighted average yield">2.56</span>%</span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Due after one year through five years</span></td> <td colspan="2" id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_c20211231_pn3n3" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Due after one year through five years, amortized cost"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,858</span></td> <td colspan="2" id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_c20211231_pn3n3" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Due after one year through five years, fair value"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,804</span></td> <td colspan="2" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_902_ecustom--AvailableForSaleOfSecuritiesPercentageOfYieldAfterOneButWithinFiveYears_pip0_dp_c20210101__20211231_zMi83MjkZmD9" title="Due after one year through five years, weighted average yield">1.41</span>%</span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Due after five years through ten years</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_c20211231_pn3n3" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Due after five years through ten years, amortized cost"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,819</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_c20211231_pn3n3" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Due after five years through ten years, fair value"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,747</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_904_ecustom--AvailableForSaleOfSecuritiesPercentageOfYieldAfterFiveThroughTenYears_pip0_dp_c20210101__20211231_zugsiMorHaek" title="Due after five years through ten years, weighted average yield">1.54</span>%</span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Due after ten years</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_c20211231_pn3n3" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Due after ten years, amortized cost"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">86,660</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_c20211231_pn3n3" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Due after ten years, fair value"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">85,747</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90C_ecustom--AvailableForSaleOfSecuritiesPercentageOfYieldAfterTenYears_pip0_dp_c20210101__20211231_zuNrVe0h5KV4" title="Due after ten years, weighted average yield">1.61</span>%</span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_iI_pn3n3_c20211231_ztRdRZMkDP7h" style="border-top: Black 1pt solid; border-bottom: Black 2.25pt double; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Amortized cost, total"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">108,388</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_984_eus-gaap--AvailableForSaleSecurities_iI_pn3n3_c20211231_z57tsKVXlo47" style="border-top: Black 1pt solid; border-bottom: Black 2.25pt double; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Approximate fair value"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">107,358</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-top: Black 1pt solid; border-bottom: Black 2.25pt double; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90A_ecustom--AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageYield_pip0_dp_c20210101__20211231_zJe5QIynUwR4" title="Weighted average yield, total">1.59</span>%</span></td></tr> </table> <p id="xdx_8AF_zMIN2LHTpk3g" style="font: 11pt/11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Bank, as a member of the Federal Reserve Bank and the Federal Home Loan Bank of Atlanta (FHLB), is required to hold stock in each. The Bank also owns stock in CBB Financial Corp., which is a correspondent of the Bank. These equity securities, which are included in Other Assets on the consolidated balance sheet, are restricted from trading and are recorded at a cost of $<span id="xdx_902_ecustom--RestrictedFromTradingAmount_iI_pn3n3_dm_c20211231_zQ2OSBi3JSXa" title="Restricted from trading amount">2.0</span> million and $<span id="xdx_904_ecustom--RestrictedFromTradingAmount_iI_pn3n3_dm_c20201231_zGxSbXYtwok5" title="Restricted from trading amount">2.6</span> million at December 31, 2021 and 2020, respectively. The stock has no quoted market value and no ready market exists.</span></p> <p style="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <table cellpadding="0" cellspacing="0" id="xdx_899_eus-gaap--AvailableForSaleSecuritiesTextBlock_pn3n3_zjJibKgqPQg" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - INVESTMENT SECURITIES (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><span id="xdx_8B6_zSsWesxTTf08" style="display: none">Schedule of securities amortized cost and estimated fair value</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="3" style="text-align: center"> </td><td> </td> <td colspan="3" style="text-align: center">Gross</td><td> </td> <td colspan="3">Gross</td><td> </td> <td colspan="3">Approximate</td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td> </td> <td colspan="3" style="text-align: center">Amortized</td><td> </td> <td colspan="3" style="text-align: center">Unrealized</td><td> </td> <td colspan="3" style="text-align: center">Unrealized</td><td> </td> <td colspan="3">Fair</td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Cost</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Gains</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Losses</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Value</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold">December 31, 2021</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 40%; text-align: left; padding-left: 5.4pt">U.S. Treasuries</td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zpFHIMhxGlSl" style="width: 10%; text-align: right" title="Amortized Cost">7,791</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_iI_pdn3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zxcdAGHIOV3a" style="width: 10%; text-align: right" title="Gross Unrealized Gains">2</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zkmF9zu0F2x7" style="width: 10%; text-align: right" title="Gross Unrealized Losses">122</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--AvailableForSaleSecurities_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zTbyVPHMjjq7" style="width: 10%; text-align: right" title="Approximate Fair Value">7,671</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">U.S. Government Agencies</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Amortized Cost">9,098</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Gross Unrealized Gains">77</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Gross Unrealized Losses">86</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecurities_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Approximate Fair Value">9,089</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Taxable municipals</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Amortized Cost">23,075</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Gross Unrealized Gains">159</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Gross Unrealized Losses">254</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecurities_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Approximate Fair Value">22,980</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Corporate bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Amortized Cost">2,014</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Gross Unrealized Gains">23</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Gross Unrealized Losses">18</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecurities_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Approximate Fair Value">2,019</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Mortgage backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized Cost">66,410</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Gross Unrealized Gains">143</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Gross Unrealized Losses">954</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecurities_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Approximate Fair Value">65,599</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Total Securities available for sale</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized Cost">108,388</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Gains">404</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Losses">1,434</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--AvailableForSaleSecurities_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Approximate Fair Value">107,358</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; padding-left: 5.4pt">December 31, 2020</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">U.S. Government Agencies</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Amortized Cost">13,852</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Gross Unrealized Gains">322</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Gross Unrealized Losses">67</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleSecurities_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Approximate Fair Value">14,107</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Taxable municipals</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Amortized Cost">5,157</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Gross Unrealized Gains">188</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Gross Unrealized Losses"><span style="-sec-ix-hidden: xdx2ixbrl0664">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecurities_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Approximate Fair Value">5,345</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Corporate bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Amortized Cost">5,893</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Gross Unrealized Gains">186</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Gross Unrealized Losses">31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecurities_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Approximate Fair Value">6,048</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Mortgage backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Amortized Cost">22,565</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Gross Unrealized Gains">388</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Gross Unrealized Losses">47</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecurities_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Approximate Fair Value">22,906</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Total Securities available for sale</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Amortized Cost">47,467</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Gains">1,084</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Gross Unrealized Losses">145</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_eus-gaap--AvailableForSaleSecurities_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Approximate Fair Value">48,406</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 7791000 2000 122000 7671000 9098000 77000 86000 9089000 23075000 159000 254000 22980000 2014000 23000 18000 2019000 66410000 143000 954000 65599000 108388000 404000 1434000 107358000 13852000 322000 67000 14107000 5157000 188000 5345000 5893000 186000 31000 6048000 22565000 388000 47000 22906000 47467000 1084000 145000 48406000 <table cellpadding="0" cellspacing="0" id="xdx_89C_eus-gaap--ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_pn3n3_z9VC0gjgwL76" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - INVESTMENT SECURITIES (Details 1)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"><span id="xdx_8B2_zolUGBNgPhQh" style="display: none">Schedule of fair value and gross unrealized losses on investment securities</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: center"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="border-bottom: Black 1pt solid; text-align: center">Less than 12 Months</td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="border-bottom: Black 1pt solid; text-align: center">12 Months or More</td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="border-bottom: Black 1pt solid; text-align: center">Total</td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Fair Value</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Value</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Value</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unrealized</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Losses</span></p></td></tr> <tr style="vertical-align: bottom"> <td style="font-weight: bold; text-align: justify">December 31, 2021</td><td> </td> <td colspan="3" style="text-align: justify"> </td><td> </td> <td colspan="3" style="text-align: justify"> </td><td> </td> <td colspan="3" style="text-align: justify"> </td><td> </td> <td colspan="3" style="text-align: justify"> </td><td> </td> <td colspan="3" style="text-align: justify"> </td><td> </td> <td colspan="3" style="text-align: justify"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 40%; text-align: justify; padding-left: 5.4pt">U.S. Treasuries</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zFWPgG3lw6C1" style="width: 6%; text-align: right" title="Fair Value, Less than 12 Months">6,200</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zYmzsPe3CK6g" style="width: 6%; text-align: right" title="Unrealized Losses, Less than 12 Months">122</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_iI_pdn3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z8MQSVcqSIx7" style="width: 6%; text-align: right" title="Fair Value, 12 Months or More"><span style="-sec-ix-hidden: xdx2ixbrl0698">—</span>  </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_iI_pdn3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_z32kqRCsWm14" style="width: 6%; text-align: right" title="Unrealized Losses, 12 Months or More"><span style="-sec-ix-hidden: xdx2ixbrl0700">—</span>  </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zEmJDnUvmAA3" style="width: 6%; text-align: right" title="Fair Value, Total">6,200</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_iI_pn3n3_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USTreasurySecuritiesMember_zAxEKRCWc9Qa" style="width: 6%; text-align: right" title="Unrealized Losses, Total">122</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">U.S. Government Agencies</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Fair Value, Less than 12 Months">977</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Unrealized Losses, Less than 12 Months">10</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Fair Value, 12 Months or More">3,434</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Unrealized Losses, 12 Months or More">76</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Fair Value, Total">4,411</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Unrealized Losses, Total">86</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">Taxable municipals</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Fair Value, Less than 12 Months">13,040</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Unrealized Losses, Less than 12 Months">237</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Fair Value, 12 Months or More">387</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Unrealized Losses, 12 Months or More">17</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Fair Value, Total">13,427</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Unrealized Losses, Total">254</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">Corporate bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Fair Value, Less than 12 Months">1,482</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Unrealized Losses, Less than 12 Months">18</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Fair Value, 12 Months or More"><span style="-sec-ix-hidden: xdx2ixbrl0734">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Unrealized Losses, 12 Months or More"><span style="-sec-ix-hidden: xdx2ixbrl0736">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Fair Value, Total">1,482</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pn3n3" style="text-align: right" title="Unrealized Losses, Total">18</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Mtg. backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair Value, Less than 12 Months">52,180</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Unrealized Losses, Less than 12 Months">758</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair Value, 12 Months or More">6,282</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Unrealized Losses, 12 Months or More">196</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair Value, Total">58,462</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Unrealized Losses, Total">954</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Total Securities AFS</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair Value, Less than 12 Months">73,879</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Unrealized Losses, Less than 12 Months">1,145</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair Value, 12 Months or More">10,103</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Unrealized Losses, 12 Months or More">289</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair Value, Total">83,982</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Unrealized Losses, Total">1,434</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: justify; padding-left: 5.4pt">December 31, 2020</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">U.S. Government Agencies</td><td> </td> <td style="text-align: left">$</td><td id="xdx_98C_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Fair Value, Less than 12 Months">1,479</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Unrealized Losses, Less than 12 Months">12</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Fair Value, 12 Months or More">3,829</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Unrealized Losses, 12 Months or More">55</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_981_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Fair Value, Total">5,308</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="text-align: right" title="Unrealized Losses, Total">67</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">Taxable municipals</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Fair Value, Less than 12 Months"><span style="-sec-ix-hidden: xdx2ixbrl0778">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Unrealized Losses, Less than 12 Months"><span style="-sec-ix-hidden: xdx2ixbrl0780">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Fair Value, 12 Months or More"><span style="-sec-ix-hidden: xdx2ixbrl0782">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pdn3" style="text-align: right" title="Unrealized Losses, 12 Months or More"><span style="-sec-ix-hidden: xdx2ixbrl0784">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Fair Value, Total"><span style="-sec-ix-hidden: xdx2ixbrl0786">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--TaxableMunicipalNotesMember_pn3n3" style="text-align: right" title="Unrealized Losses, Total"><span style="-sec-ix-hidden: xdx2ixbrl0788">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">Corporate bonds</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Fair Value, Less than 12 Months">1,219</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Unrealized Losses, Less than 12 Months">31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Fair Value, 12 Months or More"><span style="-sec-ix-hidden: xdx2ixbrl0794">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Unrealized Losses, 12 Months or More"><span style="-sec-ix-hidden: xdx2ixbrl0796">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Fair Value, Total">1,219</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CorporateDebtSecuritiesMember_pdn3" style="text-align: right" title="Unrealized Losses, Total">31</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Mtg. backed securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair Value, Less than 12 Months">7,517</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Unrealized Losses, Less than 12 Months">44</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair Value, 12 Months or More">218</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Unrealized Losses, 12 Months or More">3</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Fair Value, Total">7,735</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Unrealized Losses, Total">47</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Total Securities AFS</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair Value, Less than 12 Months">10,215</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Unrealized Losses, Less than 12 Months">87</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair Value, 12 Months or More">4,047</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Unrealized Losses, 12 Months or More">58</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Fair Value, Total">14,262</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Unrealized Losses, Total">145</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> </table> 6200000 122000 6200000 122000 977000 10000 3434000 76000 4411000 86000 13040000 237000 387000 17000 13427000 254000 1482000 18000 1482000 18000 52180000 758000 6282000 196000 58462000 954000 73879000 1145000 10103000 289000 83982000 1434000 1479000 12000 3829000 55000 5308000 67000 1219000 31000 1219000 31000 7517000 44000 218000 3000 7735000 47000 10215000 87000 4047000 58000 14262000 145000 12100000 6800000 322000000 4000000 <table cellpadding="0" cellspacing="0" id="xdx_89E_eus-gaap--InvestmentsClassifiedByContractualMaturityDateTableTextBlock_pn3n3_zOYkmfWLZRyc" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - INVESTMENT SECURITIES (Details 2)"> <tr style="vertical-align: bottom; background-color: White"> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span id="xdx_8B1_zfqhiPNoO7e" style="display: none">Schedule of amortized cost and fair value of investment securities contractual maturity</span></td> <td colspan="2" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"> </td> <td colspan="2" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"> </td> <td colspan="2" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"> </td></tr> <tr style="vertical-align: bottom"> <td colspan="6" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Weighted</span></td></tr> <tr style="vertical-align: bottom"> <td colspan="2" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amortized </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average</span></td></tr> <tr style="vertical-align: bottom"> <td colspan="2" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Securities Available for Sale</span></span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Cost</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Value</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Yield</span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="white-space: nowrap; width: 48%; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Due in one year or less</span></td> <td style="white-space: nowrap; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_c20211231_pn3n3" style="white-space: nowrap; width: 15%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Due in one year or less, amortized Cost"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,051</span></td> <td style="white-space: nowrap; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_c20211231_pn3n3" style="white-space: nowrap; width: 14%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Due in one year or less, fair value"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,060</span></td> <td style="white-space: nowrap; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; width: 14%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_904_ecustom--AvailableForSaleOfSecuritiesPercentageOfYieldWithinOneYear_pip0_dp_c20210101__20211231_z0079OivDUUi" title="Due in one year or less, weighted average yield">2.56</span>%</span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Due after one year through five years</span></td> <td colspan="2" id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_c20211231_pn3n3" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Due after one year through five years, amortized cost"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,858</span></td> <td colspan="2" id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_c20211231_pn3n3" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Due after one year through five years, fair value"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,804</span></td> <td colspan="2" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_902_ecustom--AvailableForSaleOfSecuritiesPercentageOfYieldAfterOneButWithinFiveYears_pip0_dp_c20210101__20211231_zMi83MjkZmD9" title="Due after one year through five years, weighted average yield">1.41</span>%</span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Due after five years through ten years</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_c20211231_pn3n3" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Due after five years through ten years, amortized cost"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,819</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_c20211231_pn3n3" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Due after five years through ten years, fair value"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">12,747</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_904_ecustom--AvailableForSaleOfSecuritiesPercentageOfYieldAfterFiveThroughTenYears_pip0_dp_c20210101__20211231_zugsiMorHaek" title="Due after five years through ten years, weighted average yield">1.54</span>%</span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Due after ten years</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_c20211231_pn3n3" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Due after ten years, amortized cost"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">86,660</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_988_eus-gaap--AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_c20211231_pn3n3" style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Due after ten years, fair value"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">85,747</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90C_ecustom--AvailableForSaleOfSecuritiesPercentageOfYieldAfterTenYears_pip0_dp_c20210101__20211231_zuNrVe0h5KV4" title="Due after ten years, weighted average yield">1.61</span>%</span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesAmortizedCost_iI_pn3n3_c20211231_ztRdRZMkDP7h" style="border-top: Black 1pt solid; border-bottom: Black 2.25pt double; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Amortized cost, total"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">108,388</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_984_eus-gaap--AvailableForSaleSecurities_iI_pn3n3_c20211231_z57tsKVXlo47" style="border-top: Black 1pt solid; border-bottom: Black 2.25pt double; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Approximate fair value"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">107,358</span></td> <td style="white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-top: Black 1pt solid; border-bottom: Black 2.25pt double; white-space: nowrap; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90A_ecustom--AvailableForSaleSecuritiesDebtMaturitiesWeightedAverageYield_pip0_dp_c20210101__20211231_zJe5QIynUwR4" title="Weighted average yield, total">1.59</span>%</span></td></tr> </table> 1051000 1060000 7858000 7804000 12819000 12747000 86660000 85747000 108388000 107358000 <p id="xdx_809_eus-gaap--LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_zsQ49qIqodda" style="font: 11pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>NOTE 6 <span id="xdx_828_zQUyfNDaXjK4">LOANS</span></b></span></p> <p style="font: 11pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans receivable outstanding at December 31, 2021 and 2020, are summarized as follows:</span></p> <p style="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_895_ecustom--ScheduleOfOutstandingLoansReceivableTableTextBlock_pn3n3_zOm1pZgXiUcb" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - LOANS (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in"><span id="xdx_8BE_zGZ0ysb4BOo2" style="display: none">Summary of loans receivable outstanding</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="border-bottom: Black 1pt solid; text-align: center">December 31,</td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.75pt">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 56%; padding-left: 0.2in">Commercial</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_z15K7YID06jh" style="width: 12%; text-align: right" title="Total loans and leases">206,162</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_z9TUoRAtL1p1" style="width: 12%; text-align: right" title="Total loans and leases">179,381</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">Construction and land development</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zk3fR8XF6tOj" style="text-align: right" title="Total loans and leases">32,325</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zF85dYOoIa48" style="text-align: right" title="Total loans and leases">25,031</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zjuOiJE14eP4" style="text-align: right" title="Total loans and leases">224,530</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_z5ahqqeOphN6" style="text-align: right" title="Total loans and leases">222,980</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in">Multifamily</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zXNoFG5FzdF5" style="text-align: right" title="Total loans and leases">33,048</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_z72zmKNAOlui" style="text-align: right" title="Total loans and leases">16,569</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.2in">Farmland</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zNYXaf3JDlZ" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans and leases">18,735</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zBo5y6OjOKtg" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans and leases">18,368</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.4in">Total real estate loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zOvdmPhSIcs4" style="text-align: right" title="Total loans and leases">514,800</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zr34Mt5vSt4j" style="text-align: right" title="Total loans and leases">462,329</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.75pt">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_zrM7rpgEYRM5" style="text-align: right" title="Total loans and leases">54,325</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_zIvCdhbsa0Jh" style="text-align: right" title="Total loans and leases">86,010</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.75pt">Agriculture</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_z4kdCVbDPD92" style="text-align: right" title="Total loans and leases">4,021</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_pn3n3" style="text-align: right" title="Total loans and leases">4,450</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.75pt">Consumer installment loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ConsumerInstallmentLoansMember_zb2d1DI7Aqj9" style="text-align: right" title="Total loans and leases">18,756</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ConsumerInstallmentLoansMember_zT9bUaZfDCb3" style="text-align: right">20,632</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.75pt">All other loans</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_zQWPNzzzsQYe" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans and leases">1,842</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_zZw7ZdKkwOYj" style="border-bottom: Black 1pt solid; text-align: right">2,145</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.75pt">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231_zSUpkBfTXeo" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans and leases">593,744</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231_zLelGi9eb5R" style="border-bottom: Black 2.5pt double; text-align: right">575,566</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A5_za12cmLoqTcj" style="font: 10pt Times New Roman, Times, Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Included in commercial loans at December 31, 2021 and 2020, were $6.4 million and $34.8 million of PPP loans that are guaranteed by the SBA.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Also included in total loans above are deferred loan fees of $1.8 million and $2.3 million, at December 31, 2021 and 2020, respectively, which include deferred PPP loan fees. Deferred loan costs were $2.0 million and $1.8 million, at December 31, 2021 and 2020, respectively. Income from net deferred fees and costs is recognized as income over the lives of the respective loans as a yield adjustment. If loans repay prior to scheduled maturities any unamortized fee or cost is recognized at that time.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">As a result of PPP originations during 2021 and 2020, net deferred fees totaling $1.6 million and $1.6 million were received, respectively, and $2.0 million and $994 thousand was recognized through earnings, respectively.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans receivable on nonaccrual status at December 31, 2021 and 2020 are summarized as follows:</span></p> <p style="font: 11pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <table cellpadding="0" cellspacing="0" id="xdx_89E_eus-gaap--PastDueFinancingReceivablesTableTextBlock_pn3n3_zywzWFTmSGsl" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - LOANS (Details 1)"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.2in"><span id="xdx_8BF_zfIsyOyhs4W3" style="display: none">Summary of loans receivable on nonaccrual status</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.75pt">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 56%; padding-left: 0.2in">Commercial</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zeyeQ16GzJv1" style="width: 12%; text-align: right" title="Total loans receivable on nonaccrual status">415</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zvYifbYedEB" style="width: 12%; text-align: right" title="Total loans receivable on nonaccrual status">2,225</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">Construction and land development</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zroNnRgAHsba" style="text-align: right" title="Total loans receivable on nonaccrual status">37</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zHFctHwYaiX7" style="text-align: right" title="Total loans receivable on nonaccrual status">57</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_z9t0O7VydAc5" style="text-align: right" title="Total loans receivable on nonaccrual status">2,314</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zixnJvm70Vif" style="text-align: right" title="Total loans receivable on nonaccrual status">2,700</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in">Multi-family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zhLsAj24PTL3" style="text-align: right" title="Total loans receivable on nonaccrual status">111</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zsWSZqRHQm6c" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0933">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.2in">Farmland</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zfOY0idRR48g" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans receivable on nonaccrual status">48</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_z0S7s9Nd4bAd" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans receivable on nonaccrual status">101</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.4in">Total real estate loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_z14l1ZF9Xdei" style="text-align: right" title="Total loans receivable on nonaccrual status">2,925</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zzh1AVloNtpj" style="text-align: right" title="Total loans receivable on nonaccrual status">5,083</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.75pt">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_pn3n3" style="text-align: right" title="Total loans receivable on nonaccrual status">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_z1oP8lltQ7n9" style="text-align: right" title="Total loans receivable on nonaccrual status">453</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.75pt">Consumer installment and other loans</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans receivable on nonaccrual status">7</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans receivable on nonaccrual status">12</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.75pt">Total loans receivable on nonaccrual status</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans receivable on nonaccrual status">2,941</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans receivable on nonaccrual status">5,548</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A5_zBJ34BXlVZZg" style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total interest income not recognized on nonaccrual loans for 2021 and 2020 was $223 thousand and $494 thousand, respectively.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">No accounts received pandemic related forbearance in 2021. During the year ended December 31, 2020, under the provisions of the CARES Act or related guidance issued by banking regulators, modifications, mainly in the form of short-term payment deferrals, were granted on 786 loans totaling $119.6 million. At December 31, 2021, 543 accounts totaling $82.4 million remain, of which 538 accounts totaling $82.3 million are current or less than 90 days past due. All of these accounts are subject to a normal repayment schedule. No accounts at December 31, 2021 were subject to pandemic related forbearance. At December 31, 2020, 673 loans totaling $110.7 million had completed their forbearance period and resumed a normal payment schedule, and 15 loans totaling $836 thousand remained in forbearance. At December 31, 2020, the remaining 98 accounts had been repaid in full or refinanced at market terms and conditions.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Of the accounts that received some form of forbearance during 2020, at December 31, 2021, $15.2 million were to lessors of residential properties, $12.8 to lessors of nonresidential properties and $6.7 million to hotels and restaurants; while at December 31, 2020, $21.4 million were to lessors of residential properties, $16.0 million to lessors of non-residential properties, $12.4 million to hotels and restaurants, and $6.0 million to coal and gas mining operations.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following table presents information concerning the Company’s investment in loans considered impaired as of December 31, 2021 and December 31, 2020:</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_89A_eus-gaap--ImpairedFinancingReceivablesTableTextBlock_pn3n3_zcMa3LB3MUZ6" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - LOANS (Details 2)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in"><span id="xdx_8BA_zFA7hlk7e3Ab" style="display: none">Summary of impaired loans</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic; text-align: justify"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>As of December 31, 2021</b></span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recorded</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Income</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recognized</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recorded</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Unpaid Principal Balance</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Related</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance</span></p></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">With no related allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 35%; padding-left: 0.4in">Commercial</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_z0SVAy2C8c8i" style="width: 9%; text-align: right" title="Average Recorded Investment">245</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_ecustom--InterestIncomeRecognized_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zga8Rw6A5njf" style="width: 9%; text-align: right" title="Interest Income Recognized">—  </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zAZYR5wHfxeh" style="width: 9%; text-align: right" title="Recorded Investment">99</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zEbWwLsW3Ehf" style="width: 9%; text-align: right" title="Unpaid Principal Balance">140</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zsdz8fCtCtJh" style="width: 9%; text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl0965">—</span>  </td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.4in">Construction and land development</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zJ24ZswztMW8" style="text-align: right" title="Average Recorded Investment">64</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--InterestIncomeRecognized_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zwDdXcGxGghc" style="text-align: right" title="Interest Income Recognized">18</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zk7N52E5txgk" style="text-align: right" title="Recorded Investment">24</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zuvduLfoGHFj" style="text-align: right" title="Unpaid Principal Balance">298</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zO58S6DHSrJ8" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl0975">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.4in">Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zfuAUUTB4ks4" style="text-align: right" title="Average Recorded Investment">1,720</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--InterestIncomeRecognized_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zxlgrEPCjmm9" style="text-align: right" title="Interest Income Recognized">24</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zZvCGQUrUzui" style="text-align: right" title="Recorded Investment">1,508</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zAkfEoHTtYde" style="text-align: right" title="Unpaid Principal Balance">1,791</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zXpjWXt3v6Bc" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl0985">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.4in">Multifamily</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--AverageRecordedInvestment_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zXi5bHGOt1ni" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zfF5tlFxB6s1" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zQ6isplT04id" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl0991">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zygRIoZMgDO5" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl0993">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zrxQ5CspLxqa" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl0995">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.4in">Farmland</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_z0c5kqkzGFq4" style="text-align: right" title="Average Recorded Investment">438</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--InterestIncomeRecognized_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zhFyeyQ6ZJEf" style="text-align: right" title="Interest Income Recognized">14</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zl7cVXCiS4g1" style="text-align: right" title="Recorded Investment">320</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zPHklU24hRYb" style="text-align: right" title="Unpaid Principal Balance">490</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zCt6gZiBShie" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1005">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.2in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zNqGHbcxuo1a" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zfAxh5A5VYwa" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_znY2Su0mE0N4" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1011">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zibjE19dziO3" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1013">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zVyuG94xuBse" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1015">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in">Agriculture</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AverageRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zf1lEdcpYE3d" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zn7joqzTS3Sg" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zpKay8TArSQj" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1021">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zRQ4u8Z4AlF6" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1023">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zXfq1O2MKFF" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1025">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Consumer installment loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zwZDU2KgVfx1" style="text-align: right" title="Average Recorded Investment">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zwIAlXmZaKWg" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zzZORCGDuJ14" style="text-align: right" title="Recorded Investment">2</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zQXsez6rtrbk" style="text-align: right" title="Unpaid Principal Balance">2</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zEb6D7OJsQxl" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1035">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">All other loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_ziKEA6YEmBhi" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zVn6sqGKDwdl" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zAvCcoxx80yf" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1041">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zw5yHZol0xjc" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1043">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zcdxFgwxfle9" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1045">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.4in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_z6nwrrtoyG1f" style="text-align: right" title="Average Recorded Investment">871</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zMwnbdVJAIul" style="text-align: right" title="Interest Income Recognized">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--CreditFacilityAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zgJ6jSQQJcr2" style="text-align: right" title="Recorded Investment">315</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zXIIckalwLTg" style="text-align: right" title="Unpaid Principal Balance">372</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zOe63pbsUc48" style="text-align: right" title="Related Allowance">94</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.4in">Construction and land development</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--AverageRecordedInvestment_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_z3qjYUtQqLIl" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zRv8EtM1HNol" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--CreditFacilityAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zF152ZYakbz5" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1061">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zHlO9lvuvGZb" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1063">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zloIncFHqBIk" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1065">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.4in">Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zC4SQvFoZhg1" style="text-align: right" title="Average Recorded Investment">338</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--InterestIncomeRecognized_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zK5tMDdrEXo8" style="text-align: right" title="Interest Income Recognized">6</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--CreditFacilityAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zz8A6tz9iFv8" style="text-align: right" title="Recorded Investment">340</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zbvchi1jtxG1" style="text-align: right" title="Unpaid Principal Balance">372</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_za9FPScirSpj" style="text-align: right" title="Related Allowance">53</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.4in">Multifamily</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AverageRecordedInvestment_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zV9sN4cgx0G9" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zZFAyzIHjrm3" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--CreditFacilityAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zsM4hakvHsM4" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1081">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zUwpE6IDHjD7" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1083">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zNdSCLXy2AY6" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1085">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.4in">Farmland</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_z5VepeJrx1il" style="text-align: right" title="Average Recorded Investment">121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--InterestIncomeRecognized_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zqc2shozskhb" style="text-align: right" title="Interest Income Recognized">4</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zZU1QaGIsJ9a" style="text-align: right" title="Recorded Investment">197</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zWO9tY95Nf6d" style="text-align: right" title="Unpaid Principal Balance">209</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zvAdfDimPrVl" style="text-align: right" title="Related Allowance">17</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zC3zJbwSTu01" style="text-align: right" title="Average Recorded Investment">109</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--InterestIncomeRecognized_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_z9lYxA9pQib3" style="text-align: right" title="Interest Income Recognized">1</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zY4vs1VArhUg" style="text-align: right" title="Recorded Investment">28</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zxVmaTnywVhh" style="text-align: right" title="Unpaid Principal Balance">35</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zfgsfXOdQvtd" style="text-align: right" title="Related Allowance">2</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.2in">Agriculture</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--AverageRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zX8c4qXl9KY8" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zjNxcwI3OIj2" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zUNQZ4FrjFQ7" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1111">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zMp2PFNJmELb" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1113">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_ze8g6j3vjHmi" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1115">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">Consumer installment loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--AverageRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zt34l2MRYGX6" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zY0YwBAthN2b" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zHWR9Y2qwue2" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1121">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zJz63DY6ux8d" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1123">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zewUmx2vlKE9" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1125">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.2in">All other loans</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_ecustom--AverageRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zh71wJWe8Nt5" style="border-bottom: Black 1pt solid; text-align: right" title="Average Recorded Investment">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_z90hdcoPms5c" style="border-bottom: Black 1pt solid; text-align: right" title="Interest Income Recognized">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zYBzV1OFdG9g" style="border-bottom: Black 1pt solid; text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1131">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zYcTqRLJysJb" style="border-bottom: Black 1pt solid; text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1133">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zRtrnOg1xmDl" style="border-bottom: Black 1pt solid; text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1135">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231_zJob330DMAz3" style="border-bottom: Black 2.5pt double; text-align: right" title="Average Recorded Investment">3,909</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_ecustom--InterestIncomeRecognized_iI_pn3n3_c20211231_zDHKKXx8Qc54" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest Income Recognized">70</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231_zHXrjy101X9e" style="border-bottom: Black 2.5pt double; text-align: right" title="Recorded Investment">2,833</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231_zrEJ8KfrFaQ9" style="border-bottom: Black 2.5pt double; text-align: right" title="Unpaid Principal Balance">3,709</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pn3n3_c20211231_zRe0qJObSxp" style="border-bottom: Black 2.5pt double; text-align: right" title="Related Allowance">166</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic; text-align: justify"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>As of December 31, 2020</b></span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recorded</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Income</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recognized</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recorded</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unpaid Principal Balance</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Related</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance</span></p></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">With no related allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 35%; padding-left: 0.4in">Commercial</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zjyneVqOvT5a" style="width: 9%; text-align: right" title="Average Recorded Investment">1,680</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_ecustom--InterestIncomeRecognized_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zyacU5kbnsX5" style="width: 9%; text-align: right" title="Interest Income Recognized">16</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zfmBi7WITVP1" style="width: 9%; text-align: right" title="Recorded Investment">385</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_z0vN5yl1JLo2" style="width: 9%; text-align: right" title="Unpaid Principal Balance">386</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zxfpO9HKZ5G5" style="width: 9%; text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1156">—</span>  </td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.4in">Construction and land development</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_z1UyYo7kTY51" style="text-align: right" title="Average Recorded Investment">89</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--InterestIncomeRecognized_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zsNcjrhOxOfc" style="text-align: right" title="Interest Income Recognized">18</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zPrVFekL2vg8" style="text-align: right" title="Recorded Investment">99</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zWRK8YTTY1hb" style="text-align: right" title="Unpaid Principal Balance">376</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zoFUk1pqlS1l" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1166">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.4in">Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zZ48SJ7C3wf" style="text-align: right" title="Average Recorded Investment">1,788</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--InterestIncomeRecognized_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zlAorqJsHytl" style="text-align: right" title="Interest Income Recognized">53</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zEvExOgnUGgi" style="text-align: right" title="Recorded Investment">1,662</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zU4BNO420Wsf" style="text-align: right" title="Unpaid Principal Balance">1,898</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zkG6XcVbx0cj" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1176">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.4in">Multifamily</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zYTJQTOAreT1" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--InterestIncomeRecognized_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zYU1eoYob8nj" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zsRb6ruDUrrk" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1182">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zjNJTYCMtlal" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1184">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zGWwN4xVUaj1" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1186">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.4in">Farmland</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zAaA7lwHgdMe" style="text-align: right" title="Average Recorded Investment">550</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--InterestIncomeRecognized_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_z0TV2CS5HyQa" style="text-align: right" title="Interest Income Recognized">59</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zP8MpAdSxBOl" style="text-align: right" title="Recorded Investment">391</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zZgrNqaHDqz8" style="text-align: right" title="Unpaid Principal Balance">560</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zodSbib2T332" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1196">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.2in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zKJJsuqOWhv6" style="text-align: right" title="Average Recorded Investment">59</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--InterestIncomeRecognized_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zK5l5LoGkzA2" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zUZU1uyi9uO4" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1202">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zRcCfOHCEZCj" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1204">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zOa5tJvuA4Y6" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1206">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in">Agriculture</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--AverageRecordedInvestment_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zhKqrimcyZe9" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--InterestIncomeRecognized_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zxDW01Z6txTk" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zDibrZR6szA6" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1212">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_z3A9caKTZdU9" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1214">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zRPaiNuTQoTl" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1216">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Consumer installment loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_z8Z8sqVd43Eg" style="text-align: right" title="Average Recorded Investment">4</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--InterestIncomeRecognized_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zRrTsLwZ6Etc" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zmjE1RJS3xC8" style="text-align: right" title="Recorded Investment">5</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zvPZZBrs9AV7" style="text-align: right" title="Unpaid Principal Balance">6</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zTT02hkLiUTa" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1226">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">All other loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--OtherLoansMember_zqH2Fso2Mju7" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--InterestIncomeRecognized_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--OtherLoansMember_zVfcCtJYMN8l" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--OtherLoansMember_zneGxQSv6YMf" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1232">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--OtherLoansMember_z7eolo18U7V2" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1234">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--OtherLoansMember_zR95xrDVNCLg" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1236">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.4in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zGsmGc5blk71" style="text-align: right" title="Average Recorded Investment">707</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--InterestIncomeRecognized_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_z0bsK4kFfhHa" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zXGcmHvpZ3U6" style="text-align: right" title="Recorded Investment">1,566</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Unpaid Principal Balance">1,678</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Related Allowance">574</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.4in">Construction and land development</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--AverageRecordedInvestment_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zZqb3YWKlmN8" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--InterestIncomeRecognized_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zjBxxbArGnDa" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pdn3" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1252">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pdn3" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1254">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pdn3" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1256">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.4in">Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zuYlV2qqm4Lj" style="text-align: right" title="Average Recorded Investment">150</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--InterestIncomeRecognized_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pdn3" style="text-align: right" title="Interest Income Recognized">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Recorded Investment">337</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Unpaid Principal Balance">365</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Related Allowance">72</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.4in">Multifamily</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--AverageRecordedInvestment_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zyV5Mo8078D7" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--InterestIncomeRecognized_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pdn3" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pdn3" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1272">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pdn3" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1274">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pdn3" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1276">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.4in">Farmland</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_znzNyNGYz7t2" style="text-align: right" title="Average Recorded Investment">212</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--InterestIncomeRecognized_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Interest Income Recognized">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Recorded Investment">208</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Unpaid Principal Balance">220</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Related Allowance">2</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zUpfjoxrIM9" style="text-align: right" title="Average Recorded Investment">214</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--InterestIncomeRecognized_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_pn3n3" style="text-align: right" title="Interest Income Recognized">12</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_pn3n3" style="text-align: right" title="Recorded Investment">429</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_pn3n3" style="text-align: right" title="Unpaid Principal Balance">437</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_pn3n3" style="text-align: right" title="Related Allowance">404</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.2in">Agriculture</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--AverageRecordedInvestment_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zRWNTMKm2XUe" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--InterestIncomeRecognized_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_pdn3" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_pdn3" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1302">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_pdn3" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1304">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_pdn3" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1306">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">Consumer installment loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zRecjNLvsfJ2" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--InterestIncomeRecognized_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_pdn3" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_pdn3" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1312">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_pdn3" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1314">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_pdn3" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1316">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.2in">All other loans</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zLCazIoC282a" style="border-bottom: Black 1pt solid; text-align: right" title="Average Recorded Investment">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_ecustom--InterestIncomeRecognized_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zCghYd5kLbw2" style="border-bottom: Black 1pt solid; text-align: right" title="Interest Income Recognized">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zOC9ZxyuGYqh" style="border-bottom: Black 1pt solid; text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1322">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zfruitCLDdJ5" style="border-bottom: Black 1pt solid; text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1324">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zd4ponmmL2g8" style="border-bottom: Black 1pt solid; text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1326">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_ecustom--AverageRecordedInvestment_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Average Recorded Investment">5,453</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_ecustom--InterestIncomeRecognized_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest Income Recognized">170</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Recorded Investment">5,082</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Unpaid Principal Balance">5,926</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Related Allowance">1,052</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AD_znksxNXDq4Ge" style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">An age analysis of past due loans receivable is below. At December 31, 2021 and 2020, there were no loans over 90 days past due that were accruing.</span></p> <table cellpadding="0" cellspacing="0" id="xdx_893_ecustom--SummaryOfAgeAnalysisOfPastDueLoansReceivableTableTableTextBlock_pn3n3_zJuO1N9nakv4" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - LOANS (Details 3)"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.2in"><span id="xdx_8B6_zQsHsj4PKgW8" style="display: none">Summary of age analysis of past due loans receivable</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>As of December 31, 2021</b></span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">30-59</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Days</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Past</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Due</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">60-89</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Days</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Past</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Due</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">90 or</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">More</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Days</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Past</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Due</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Past</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Due</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Current</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</span></p></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 40%; padding-left: 0.2in">Commercial</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_ecustom--Loans3059DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="width: 6%; text-align: right" title="Loans 30-59 Days Past Due">—  </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_ecustom--Loans6089DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pdn3" style="width: 6%; text-align: right" title="Loans 60-89 Days Past Due">—  </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_ecustom--Loans90OrMoreDaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pdn3" style="width: 6%; text-align: right" title="Loans 90 or More Days Past Due">—  </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98B_ecustom--FinancingReceivableRecordedInvestmentPastDues_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zNXuEJR9cgtc" style="width: 6%; text-align: right" title="Total Past Due Loans">—  </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_ecustom--FinancingReceivableRecordedInvestmentsCurrent_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zj8mQeF2Duq5" style="width: 6%; text-align: right" title="Current Loans">206,162</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="width: 6%; text-align: right" title="Total loans and leases">206,162</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Construction and land</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">development</span></p></td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--Loans3059DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Loans 30-59 Days Past Due">7</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--Loans6089DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Loans 60-89 Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--Loans90OrMoreDaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Loans 90 or More Days Past Due">7</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Total Past Due Loans">14</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Current Loans">32,311</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Total loans and leases">32,325</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--Loans3059DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Loans 30-59 Days Past Due">2,473</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--Loans6089DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Loans 60-89 Days Past Due">240</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--Loans90OrMoreDaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Loans 90 or More Days Past Due">486</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Total Past Due Loans">3,199</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Current Loans">221,331</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Total loans and leases">224,530</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in">Multifamily</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--Loans3059DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Loans 30-59 Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--Loans6089DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Loans 60-89 Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--Loans90OrMoreDaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Loans 90 or More Days Past Due">111</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Total Past Due Loans">111</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Current Loans">32,937</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Total loans and leases">33,048</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.2in">Farmland</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_ecustom--Loans3059DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Loans 30-59 Days Past Due">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_ecustom--Loans6089DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Loans 60-89 Days Past Due">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_ecustom--Loans90OrMoreDaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Loans 90 or More Days Past Due">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total Past Due Loans">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Current Loans">18,735</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans and leases">18,735</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Total real estate loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--Loans3059DaysPastDue_c20211231__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Loans 30-59 Days Past Due">2,480</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--Loans6089DaysPastDue_c20211231__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Loans 60-89 Days Past Due">240</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--Loans90OrMoreDaysPastDue_c20211231__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Loans 90 or More Days Past Due">604</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20211231__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Total Past Due Loans">3,324</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20211231__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Current Loans">511,476</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Total loans and leases">514,800</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--Loans3059DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_pn3n3" style="text-align: right" title="Loans 30-59 Days Past Due">5</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--Loans6089DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_pdn3" style="text-align: right" title="Loans 60-89 Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--Loans90OrMoreDaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_pdn3" style="text-align: right" title="Loans 90 or More Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_pn3n3" style="text-align: right" title="Total Past Due Loans">5</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_pn3n3" style="text-align: right" title="Current Loans">54,320</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_pn3n3" style="text-align: right" title="Total loans and leases">54,325</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt">Agriculture</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--Loans3059DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_pn3n3" style="text-align: right" title="Loans 30-59 Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--Loans6089DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_pn3n3" style="text-align: right" title="Loans 60-89 Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--Loans90OrMoreDaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_pdn3" style="text-align: right" title="Loans 90 or More Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_pn3n3" style="text-align: right" title="Total Past Due Loans">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_pn3n3" style="text-align: right" title="Current Loans">4,021</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_pn3n3" style="text-align: right" title="Total loans and leases">4,021</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consumer installment</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</span></p></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--Loans3059DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pn3n3" style="text-align: right" title="Loans 30-59 Days Past Due">56</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--Loans6089DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pn3n3" style="text-align: right" title="Loans 60-89 Days Past Due">5</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--Loans90OrMoreDaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pdn3" style="text-align: right" title="Loans 90 or More Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pn3n3" style="text-align: right" title="Total Past Due Loans">61</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pn3n3" style="text-align: right" title="Current Loans">18,695</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pn3n3" style="text-align: right" title="Total loans and leases">18,756</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">All other loans</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_ecustom--Loans3059DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Loans 30-59 Days Past Due">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_ecustom--Loans6089DaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Loans 60-89 Days Past Due">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_ecustom--Loans90OrMoreDaysPastDue_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Loans 90 or More Days Past Due">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total Past Due Loans">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Current Loans">1,842</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans and leases">1,842</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,541</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">245</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">604</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,390</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">590,354</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">593,744</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>As of December 31, 2020</b></span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">30-59</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Days</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Past</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Due</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">60-89</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Days</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Past</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Due</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">90 or</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">More</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Days</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Past</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Due</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Past</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Due</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Current</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</span></p></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 40%; padding-left: 0.2in">Commercial</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_ecustom--Loans3059DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="width: 6%; text-align: right" title="Loans 30-59 Days Past Due">969</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_ecustom--Loans6089DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="width: 6%; text-align: right" title="Loans 60-89 Days Past Due">—  </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_ecustom--Loans90OrMoreDaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="width: 6%; text-align: right" title="Loans 90 or More Days Past Due">—  </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="width: 6%; text-align: right" title="Total Past Due Loans">969</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_982_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="width: 6%; text-align: right" title="Current Loans">178,412</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="width: 6%; text-align: right" title="Total loans and leases">179,381</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Construction and land</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">development</span></p></td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--Loans3059DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Loans 30-59 Days Past Due">64</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--Loans6089DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Loans 60-89 Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--Loans90OrMoreDaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Loans 90 or More Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Total Past Due Loans">64</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Current Loans">24,967</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Total loans and leases">25,031</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--Loans3059DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Loans 30-59 Days Past Due">5,717</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--Loans6089DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Loans 60-89 Days Past Due">615</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--Loans90OrMoreDaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Loans 90 or More Days Past Due">690</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Total Past Due Loans">7,022</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Current Loans">215,958</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Total loans and leases">222,980</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in">Multifamily</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--Loans3059DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Loans 30-59 Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--Loans6089DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Loans 60-89 Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--Loans90OrMoreDaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Loans 90 or More Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Total Past Due Loans">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Current Loans">16,569</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Total loans and leases">16,569</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.2in">Farmland</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_ecustom--Loans3059DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Loans 30-59 Days Past Due">57</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_ecustom--Loans6089DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Loans 60-89 Days Past Due">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_ecustom--Loans90OrMoreDaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Loans 90 or More Days Past Due">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total Past Due Loans">57</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Current Loans">18,311</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans and leases">18,368</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Total real estate loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--Loans3059DaysPastDue_c20201231__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Loans 30-59 Days Past Due">6,807</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--Loans6089DaysPastDue_iI_pn3n3_c20201231__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zc3YBWN4zp57" style="text-align: right" title="Loans 30-59 Days Past Due">615</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--Loans90OrMoreDaysPastDue_iI_pn3n3_c20201231__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zXGkVn1OEMMc" style="text-align: right" title="Loans 90 or More Days Past Due">690</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20201231__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Total Past Due Loans">8,112</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20201231__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Current Loans">454,217</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Total loans and leases">462,329</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--Loans3059DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_pn3n3" style="text-align: right" title="Loans 30-59 Days Past Due">214</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--Loans6089DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_pdn3" style="text-align: right" title="Loans 60-89 Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--Loans90OrMoreDaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_pn3n3" style="text-align: right" title="Loans 90 or More Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_pn3n3" style="text-align: right" title="Total Past Due Loans">214</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_pn3n3" style="text-align: right" title="Current Loans">85,796</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_pn3n3" style="text-align: right" title="Total loans and leases">86,010</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt">Agriculture</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--Loans3059DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_pn3n3" style="text-align: right" title="Loans 30-59 Days Past Due">7</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--Loans6089DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_pdn3" style="text-align: right" title="Loans 60-89 Days Past Due">1</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--Loans90OrMoreDaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_pn3n3" style="text-align: right" title="Loans 90 or More Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_pn3n3" style="text-align: right" title="Total Past Due Loans">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_pn3n3" style="text-align: right" title="Current Loans">4,442</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_zQwtelaZ8jS4" style="text-align: right" title="Total loans and leases">4,450</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consumer installment</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</span></p></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--Loans3059DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pn3n3" style="text-align: right" title="Loans 30-59 Days Past Due">214</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--Loans6089DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pn3n3" style="text-align: right" title="Loans 60-89 Days Past Due">22</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--Loans90OrMoreDaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pn3n3" style="text-align: right" title="Loans 90 or More Days Past Due">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pn3n3" style="text-align: right" title="Total Past Due Loans">236</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pn3n3" style="text-align: right" title="Current Loans">20,396</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pn3n3" style="text-align: right" title="Total loans and leases">20,632</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">All other loans</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_ecustom--Loans3059DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Loans 30-59 Days Past Due">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_ecustom--Loans6089DaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Loans 60-89 Days Past Due">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_ecustom--Loans90OrMoreDaysPastDue_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Loans 90 or More Days Past Due">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total Past Due Loans">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Current Loans">2,145</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans and leases">2,145</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Total loans</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_ecustom--Loans3059DaysPastDue_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Loans 30-59 Days Past Due">7,242</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_ecustom--Loans6089DaysPastDue_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Loans 60-89 Days Past Due">638</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_ecustom--Loans90OrMoreDaysPastDue_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Loans 90 or More Days Past Due">690</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_ecustom--FinancingReceivableRecordedInvestmentPastDues_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total Past Due Loans">8,570</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_ecustom--FinancingReceivableRecordedInvestmentsCurrent_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Current Loans">566,996</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans and leases">575,566</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8AC_zgsUXhI5naSj" style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company categorizes loans receivable into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans and leases individually by classifying the loans receivable as to credit risk. The Company uses the following definitions for risk ratings:</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Pass </b>- Loans in this category are considered to have a low likelihood of loss based on analysis of relevant information about the ability of the borrowers to service their debt and other factors.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Special Mention</b> - Loans in this category are currently protected but are potentially weak, including adverse trends in borrower’s operations, credit quality or financial strength. Those loans constitute an undue and unwarranted credit risk but not to the point of justifying a substandard classification. The credit risk may be relatively minor yet constitute an unwarranted risk in light of the circumstances.  Special mention loans have potential weaknesses which may, if not checked or corrected, weaken the loan or inadequately protect the Company’s credit position at some future date.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>Substandard </b>- <span style="color: #010100">A substandard loan is inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans classified as substandard must 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.</span></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; color: #010100"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; color: #010100"><b>Doubtful </b>- </span><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans classified Doubtful have all the weaknesses inherent in loans classified Substandard, plus 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. There were no loans classified as doubtful at either December 31, 2021 or 2020.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Based on the most recent analysis performed, the risk category of loans receivable was as follows:</span></p> <table cellpadding="0" cellspacing="0" id="xdx_890_eus-gaap--FinancingReceivableCreditQualityIndicatorsTableTextBlock_pn3n3_zvkG8MS8OANj" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - LOANS (Details 4)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in"><span id="xdx_8B6_zjxhrJ1Kpnnh" style="display: none">Summary of risk category of loans receivable</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic; text-align: justify"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>As of December 31, 2021</b></span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pass</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Special</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mention</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Substandard</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Doubtful</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></p></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 35%; padding-left: 0.2in">Commercial</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="width: 9%; text-align: right" title="Total">198,022</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="width: 9%; text-align: right" title="Total">7,725</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="width: 9%; text-align: right" title="Total">415</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="width: 9%; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1605">—</span>  </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zVppiXHua2ga" style="width: 9%; text-align: right" title="Total">206,162</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">Construction and land development</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">31,366</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">922</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">37</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1615">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zMnUYD3qeDr9" style="text-align: right" title="Total">32,325</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">221,342</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">915</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">2,273</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1625">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_z8J5AtDFbqMg" style="text-align: right" title="Total">224,530</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in">Multifamily</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">32,499</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">438</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pdn3" style="text-align: right" title="Total">111</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1635">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zqgddDdTQ3th" style="text-align: right" title="Total">33,048</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.2in">Farmland</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total">18,137</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total">550</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total">48</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1645">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_z1QJoQDGhue7" style="border-bottom: Black 1pt solid; text-align: right" title="Total">18,735</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.4in">Total real estate loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">501,366</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">10,550</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">2,884</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1655">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zBMdOcaFqvck" style="text-align: right" title="Total">514,800</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">53,162</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">1,154</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zmmXoMeRlGj2" style="text-align: right" title="Total">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1665">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_zf5LuBOFMlu6" style="text-align: right" title="Total">54,325</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt">Agriculture</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">4,021</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1671">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1673">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1675">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_z8V2TZZ50f35" style="text-align: right" title="Total">4,021</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Consumer installment loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">18,746</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zEdO8TrGhOFj" style="text-align: right" title="Total">2</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1685">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_zmGpx8INFvi7" style="text-align: right" title="Total">18,756</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">All other loans</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total">1,842</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1691">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1693">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1695">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_z9hpxeZox7wi" style="border-bottom: Black 1pt solid; text-align: right" title="Total">1,842</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">579,137</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">11,706</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">2,901</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1705">—</span>  </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231_z8n0VbkEXAmd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">593,744</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic; text-align: justify"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>As of December 31, 2020</b></span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pass</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Special</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mention</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Substandard</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Doubtful</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></p></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 35%; padding-left: 0.2in">Commercial</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="width: 9%; text-align: right" title="Total">171,212</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="width: 9%; text-align: right" title="Total">6,112</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zgle0GUJqFD2" style="width: 9%; text-align: right" title="Total">2,057</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="width: 9%; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1715">—</span>  </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zRLfdxI3JV2f" style="width: 9%; text-align: right" title="Total">179,381</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">Construction and land development</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">23,168</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">1,806</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">57</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1725">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zA0RhuCAvLy1" style="text-align: right" title="Total">25,031</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">218,947</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">1,304</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">2,729</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1735">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zefU3CNEEWW3" style="text-align: right" title="Total">222,980</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in">Multifamily</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">16,337</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pdn3" style="text-align: right" title="Total">232</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1743">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1745">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zEvLR6RddDu8" style="text-align: right" title="Total">16,569</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.2in">Farmland</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total">17,019</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total">1,249</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total">100</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1755">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_zjWgJoNBmria" style="border-bottom: Black 1pt solid; text-align: right" title="Total">18,368</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.4in">Total real estate loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">446,683</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">10,703</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">4,943</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1765">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_ziuMv9DBxef7" style="text-align: right">462,329</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">81,846</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">3,711</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">453</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pn3n3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1774">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_z5OoEXF5LEW7" style="text-align: right">86,010</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt">Agriculture</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">4,255</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">195</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1781">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1783">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_zKKLPLmp0qif" style="text-align: right" title="Total">4,450</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Consumer installment loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">20,615</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">5</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">12</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pn3n3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1793">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_ztjYtWs8mRd5" style="text-align: right">20,632</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">All other loans</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total">2,145</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1798">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1800">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1802">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_zIHX5XXjYH2d" style="border-bottom: Black 1pt solid; text-align: right">2,145</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">555,544</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">14,614</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">5,408</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1811">—</span>  </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231_za2dkUkkces7" style="border-bottom: Black 2.5pt double; text-align: right">575,566</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> </table> <p style="font: 1pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b/></span></p> <p id="xdx_8A0_zVgNNzFGGk9f" style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> 206162000 179381000 32325000 25031000 224530000 222980000 33048000 16569000 18735000 18368000 514800000 462329000 54325000 86010000 4021000 4450000 18756000 20632000 1842000 2145000 593744000 575566000 <table cellpadding="0" cellspacing="0" id="xdx_89E_eus-gaap--PastDueFinancingReceivablesTableTextBlock_pn3n3_zywzWFTmSGsl" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - LOANS (Details 1)"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.2in"><span id="xdx_8BF_zfIsyOyhs4W3" style="display: none">Summary of loans receivable on nonaccrual status</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.75pt">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 56%; padding-left: 0.2in">Commercial</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zeyeQ16GzJv1" style="width: 12%; text-align: right" title="Total loans receivable on nonaccrual status">415</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zvYifbYedEB" style="width: 12%; text-align: right" title="Total loans receivable on nonaccrual status">2,225</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">Construction and land development</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zroNnRgAHsba" style="text-align: right" title="Total loans receivable on nonaccrual status">37</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zHFctHwYaiX7" style="text-align: right" title="Total loans receivable on nonaccrual status">57</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_z9t0O7VydAc5" style="text-align: right" title="Total loans receivable on nonaccrual status">2,314</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zixnJvm70Vif" style="text-align: right" title="Total loans receivable on nonaccrual status">2,700</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in">Multi-family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zhLsAj24PTL3" style="text-align: right" title="Total loans receivable on nonaccrual status">111</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zsWSZqRHQm6c" style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl0933">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.2in">Farmland</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zfOY0idRR48g" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans receivable on nonaccrual status">48</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_z0S7s9Nd4bAd" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans receivable on nonaccrual status">101</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.4in">Total real estate loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_z14l1ZF9Xdei" style="text-align: right" title="Total loans receivable on nonaccrual status">2,925</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__us-gaap--RealEstateMember_zzh1AVloNtpj" style="text-align: right" title="Total loans receivable on nonaccrual status">5,083</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.75pt">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_pn3n3" style="text-align: right" title="Total loans receivable on nonaccrual status">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_z1oP8lltQ7n9" style="text-align: right" title="Total loans receivable on nonaccrual status">453</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.75pt">Consumer installment and other loans</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans receivable on nonaccrual status">7</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total loans receivable on nonaccrual status">12</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.75pt">Total loans receivable on nonaccrual status</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans receivable on nonaccrual status">2,941</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--FinancingReceivableRecordedInvestmentNonaccrualStatus_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total loans receivable on nonaccrual status">5,548</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 415000 2225000 37000 57000 2314000 2700000 111000 48000 101000 2925000 5083000 9000 453000 7000 12000 2941000 5548000 <table cellpadding="0" cellspacing="0" id="xdx_89A_eus-gaap--ImpairedFinancingReceivablesTableTextBlock_pn3n3_zcMa3LB3MUZ6" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - LOANS (Details 2)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in"><span id="xdx_8BA_zFA7hlk7e3Ab" style="display: none">Summary of impaired loans</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic; text-align: justify"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>As of December 31, 2021</b></span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recorded</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Income</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recognized</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recorded</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Unpaid Principal Balance</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Related</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance</span></p></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">With no related allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 35%; padding-left: 0.4in">Commercial</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_980_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_z0SVAy2C8c8i" style="width: 9%; text-align: right" title="Average Recorded Investment">245</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_ecustom--InterestIncomeRecognized_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zga8Rw6A5njf" style="width: 9%; text-align: right" title="Interest Income Recognized">—  </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zAZYR5wHfxeh" style="width: 9%; text-align: right" title="Recorded Investment">99</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zEbWwLsW3Ehf" style="width: 9%; text-align: right" title="Unpaid Principal Balance">140</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zsdz8fCtCtJh" style="width: 9%; text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl0965">—</span>  </td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.4in">Construction and land development</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zJ24ZswztMW8" style="text-align: right" title="Average Recorded Investment">64</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--InterestIncomeRecognized_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zwDdXcGxGghc" style="text-align: right" title="Interest Income Recognized">18</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zk7N52E5txgk" style="text-align: right" title="Recorded Investment">24</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zuvduLfoGHFj" style="text-align: right" title="Unpaid Principal Balance">298</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zO58S6DHSrJ8" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl0975">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.4in">Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zfuAUUTB4ks4" style="text-align: right" title="Average Recorded Investment">1,720</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--InterestIncomeRecognized_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zxlgrEPCjmm9" style="text-align: right" title="Interest Income Recognized">24</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zZvCGQUrUzui" style="text-align: right" title="Recorded Investment">1,508</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zAkfEoHTtYde" style="text-align: right" title="Unpaid Principal Balance">1,791</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zXpjWXt3v6Bc" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl0985">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.4in">Multifamily</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--AverageRecordedInvestment_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zXi5bHGOt1ni" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zfF5tlFxB6s1" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zQ6isplT04id" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl0991">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zygRIoZMgDO5" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl0993">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zrxQ5CspLxqa" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl0995">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.4in">Farmland</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_z0c5kqkzGFq4" style="text-align: right" title="Average Recorded Investment">438</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--InterestIncomeRecognized_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zhFyeyQ6ZJEf" style="text-align: right" title="Interest Income Recognized">14</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zl7cVXCiS4g1" style="text-align: right" title="Recorded Investment">320</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zPHklU24hRYb" style="text-align: right" title="Unpaid Principal Balance">490</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zCt6gZiBShie" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1005">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.2in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zNqGHbcxuo1a" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zfAxh5A5VYwa" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_znY2Su0mE0N4" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1011">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zibjE19dziO3" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1013">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zVyuG94xuBse" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1015">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in">Agriculture</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AverageRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zf1lEdcpYE3d" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zn7joqzTS3Sg" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zpKay8TArSQj" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1021">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zRQ4u8Z4AlF6" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1023">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zXfq1O2MKFF" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1025">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Consumer installment loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zwZDU2KgVfx1" style="text-align: right" title="Average Recorded Investment">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zwIAlXmZaKWg" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zzZORCGDuJ14" style="text-align: right" title="Recorded Investment">2</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zQXsez6rtrbk" style="text-align: right" title="Unpaid Principal Balance">2</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zEb6D7OJsQxl" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1035">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">All other loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_ziKEA6YEmBhi" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zVn6sqGKDwdl" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zAvCcoxx80yf" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1041">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zw5yHZol0xjc" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1043">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zcdxFgwxfle9" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1045">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.4in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_z6nwrrtoyG1f" style="text-align: right" title="Average Recorded Investment">871</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zMwnbdVJAIul" style="text-align: right" title="Interest Income Recognized">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--CreditFacilityAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zgJ6jSQQJcr2" style="text-align: right" title="Recorded Investment">315</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zXIIckalwLTg" style="text-align: right" title="Unpaid Principal Balance">372</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zOe63pbsUc48" style="text-align: right" title="Related Allowance">94</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.4in">Construction and land development</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--AverageRecordedInvestment_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_z3qjYUtQqLIl" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zRv8EtM1HNol" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--CreditFacilityAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zF152ZYakbz5" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1061">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zHlO9lvuvGZb" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1063">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zloIncFHqBIk" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1065">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.4in">Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zC4SQvFoZhg1" style="text-align: right" title="Average Recorded Investment">338</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--InterestIncomeRecognized_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zK5tMDdrEXo8" style="text-align: right" title="Interest Income Recognized">6</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--CreditFacilityAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zz8A6tz9iFv8" style="text-align: right" title="Recorded Investment">340</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zbvchi1jtxG1" style="text-align: right" title="Unpaid Principal Balance">372</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_za9FPScirSpj" style="text-align: right" title="Related Allowance">53</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.4in">Multifamily</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AverageRecordedInvestment_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zV9sN4cgx0G9" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zZFAyzIHjrm3" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--CreditFacilityAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zsM4hakvHsM4" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1081">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zUwpE6IDHjD7" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1083">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zNdSCLXy2AY6" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1085">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.4in">Farmland</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_z5VepeJrx1il" style="text-align: right" title="Average Recorded Investment">121</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--InterestIncomeRecognized_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zqc2shozskhb" style="text-align: right" title="Interest Income Recognized">4</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zZU1QaGIsJ9a" style="text-align: right" title="Recorded Investment">197</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zWO9tY95Nf6d" style="text-align: right" title="Unpaid Principal Balance">209</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zvAdfDimPrVl" style="text-align: right" title="Related Allowance">17</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zC3zJbwSTu01" style="text-align: right" title="Average Recorded Investment">109</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--InterestIncomeRecognized_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_z9lYxA9pQib3" style="text-align: right" title="Interest Income Recognized">1</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zY4vs1VArhUg" style="text-align: right" title="Recorded Investment">28</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zxVmaTnywVhh" style="text-align: right" title="Unpaid Principal Balance">35</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pn3n3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zfgsfXOdQvtd" style="text-align: right" title="Related Allowance">2</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.2in">Agriculture</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--AverageRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zX8c4qXl9KY8" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zjNxcwI3OIj2" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zUNQZ4FrjFQ7" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1111">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zMp2PFNJmELb" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1113">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_ze8g6j3vjHmi" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1115">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">Consumer installment loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--AverageRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zt34l2MRYGX6" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zY0YwBAthN2b" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zHWR9Y2qwue2" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1121">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zJz63DY6ux8d" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1123">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zewUmx2vlKE9" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1125">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.2in">All other loans</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_ecustom--AverageRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zh71wJWe8Nt5" style="border-bottom: Black 1pt solid; text-align: right" title="Average Recorded Investment">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_ecustom--InterestIncomeRecognized_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_z90hdcoPms5c" style="border-bottom: Black 1pt solid; text-align: right" title="Interest Income Recognized">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zYBzV1OFdG9g" style="border-bottom: Black 1pt solid; text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1131">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zYcTqRLJysJb" style="border-bottom: Black 1pt solid; text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1133">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20211231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zRtrnOg1xmDl" style="border-bottom: Black 1pt solid; text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1135">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_982_ecustom--AverageRecordedInvestment_iI_pn3n3_c20211231_zJob330DMAz3" style="border-bottom: Black 2.5pt double; text-align: right" title="Average Recorded Investment">3,909</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_ecustom--InterestIncomeRecognized_iI_pn3n3_c20211231_zDHKKXx8Qc54" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest Income Recognized">70</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20211231_zHXrjy101X9e" style="border-bottom: Black 2.5pt double; text-align: right" title="Recorded Investment">2,833</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20211231_zrEJ8KfrFaQ9" style="border-bottom: Black 2.5pt double; text-align: right" title="Unpaid Principal Balance">3,709</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pn3n3_c20211231_zRe0qJObSxp" style="border-bottom: Black 2.5pt double; text-align: right" title="Related Allowance">166</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic; text-align: justify"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>As of December 31, 2020</b></span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Average</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recorded</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Income</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recognized</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recorded</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Unpaid Principal Balance</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Related</span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allowance</span></p></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">With no related allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 35%; padding-left: 0.4in">Commercial</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zjyneVqOvT5a" style="width: 9%; text-align: right" title="Average Recorded Investment">1,680</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_ecustom--InterestIncomeRecognized_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zyacU5kbnsX5" style="width: 9%; text-align: right" title="Interest Income Recognized">16</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zfmBi7WITVP1" style="width: 9%; text-align: right" title="Recorded Investment">385</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_z0vN5yl1JLo2" style="width: 9%; text-align: right" title="Unpaid Principal Balance">386</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zxfpO9HKZ5G5" style="width: 9%; text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1156">—</span>  </td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.4in">Construction and land development</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_z1UyYo7kTY51" style="text-align: right" title="Average Recorded Investment">89</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--InterestIncomeRecognized_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zsNcjrhOxOfc" style="text-align: right" title="Interest Income Recognized">18</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zPrVFekL2vg8" style="text-align: right" title="Recorded Investment">99</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zWRK8YTTY1hb" style="text-align: right" title="Unpaid Principal Balance">376</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zoFUk1pqlS1l" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1166">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.4in">Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zZ48SJ7C3wf" style="text-align: right" title="Average Recorded Investment">1,788</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--InterestIncomeRecognized_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zlAorqJsHytl" style="text-align: right" title="Interest Income Recognized">53</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zEvExOgnUGgi" style="text-align: right" title="Recorded Investment">1,662</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zU4BNO420Wsf" style="text-align: right" title="Unpaid Principal Balance">1,898</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zkG6XcVbx0cj" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1176">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.4in">Multifamily</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zYTJQTOAreT1" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--InterestIncomeRecognized_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zYU1eoYob8nj" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zsRb6ruDUrrk" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1182">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zjNJTYCMtlal" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1184">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zGWwN4xVUaj1" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1186">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.4in">Farmland</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zAaA7lwHgdMe" style="text-align: right" title="Average Recorded Investment">550</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--InterestIncomeRecognized_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_z0TV2CS5HyQa" style="text-align: right" title="Interest Income Recognized">59</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zP8MpAdSxBOl" style="text-align: right" title="Recorded Investment">391</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zZgrNqaHDqz8" style="text-align: right" title="Unpaid Principal Balance">560</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember_zodSbib2T332" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1196">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.2in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zKJJsuqOWhv6" style="text-align: right" title="Average Recorded Investment">59</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--InterestIncomeRecognized_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zK5l5LoGkzA2" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zUZU1uyi9uO4" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1202">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zRcCfOHCEZCj" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1204">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zOa5tJvuA4Y6" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1206">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in">Agriculture</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--AverageRecordedInvestment_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zhKqrimcyZe9" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--InterestIncomeRecognized_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zxDW01Z6txTk" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zDibrZR6szA6" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1212">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_z3A9caKTZdU9" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1214">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zRPaiNuTQoTl" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1216">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Consumer installment loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_z8Z8sqVd43Eg" style="text-align: right" title="Average Recorded Investment">4</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--InterestIncomeRecognized_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zRrTsLwZ6Etc" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zmjE1RJS3xC8" style="text-align: right" title="Recorded Investment">5</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zvPZZBrs9AV7" style="text-align: right" title="Unpaid Principal Balance">6</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zTT02hkLiUTa" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1226">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">All other loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--OtherLoansMember_zqH2Fso2Mju7" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--InterestIncomeRecognized_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--OtherLoansMember_zVfcCtJYMN8l" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--OtherLoansMember_zneGxQSv6YMf" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1232">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--OtherLoansMember_z7eolo18U7V2" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1234">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithNoRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--OtherLoansMember_zR95xrDVNCLg" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1236">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">With an allowance recorded:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.4in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zGsmGc5blk71" style="text-align: right" title="Average Recorded Investment">707</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--InterestIncomeRecognized_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_z0bsK4kFfhHa" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zXGcmHvpZ3U6" style="text-align: right" title="Recorded Investment">1,566</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Unpaid Principal Balance">1,678</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Related Allowance">574</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.4in">Construction and land development</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--AverageRecordedInvestment_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zZqb3YWKlmN8" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--InterestIncomeRecognized_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zjBxxbArGnDa" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pdn3" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1252">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pdn3" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1254">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pdn3" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1256">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.4in">Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zuYlV2qqm4Lj" style="text-align: right" title="Average Recorded Investment">150</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--InterestIncomeRecognized_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pdn3" style="text-align: right" title="Interest Income Recognized">3</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Recorded Investment">337</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Unpaid Principal Balance">365</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Related Allowance">72</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.4in">Multifamily</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--AverageRecordedInvestment_iI_pdn3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_zyV5Mo8078D7" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--InterestIncomeRecognized_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pdn3" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pdn3" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1272">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pdn3" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1274">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pdn3" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1276">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.4in">Farmland</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_znzNyNGYz7t2" style="text-align: right" title="Average Recorded Investment">212</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--InterestIncomeRecognized_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Interest Income Recognized">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Recorded Investment">208</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Unpaid Principal Balance">220</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember_pn3n3" style="text-align: right" title="Related Allowance">2</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_zUpfjoxrIM9" style="text-align: right" title="Average Recorded Investment">214</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--InterestIncomeRecognized_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_pn3n3" style="text-align: right" title="Interest Income Recognized">12</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_pn3n3" style="text-align: right" title="Recorded Investment">429</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_pn3n3" style="text-align: right" title="Unpaid Principal Balance">437</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--CommercialRealEstateMember_pn3n3" style="text-align: right" title="Related Allowance">404</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 0.2in">Agriculture</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--AverageRecordedInvestment_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_zRWNTMKm2XUe" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--InterestIncomeRecognized_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_pdn3" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_pdn3" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1302">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_pdn3" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1304">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AgricultureMember_pdn3" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1306">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">Consumer installment loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_zRecjNLvsfJ2" style="text-align: right" title="Average Recorded Investment">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--InterestIncomeRecognized_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_pdn3" style="text-align: right" title="Interest Income Recognized">—  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_pdn3" style="text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1312">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_pdn3" style="text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1314">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__us-gaap--ConsumerLoanMember_pdn3" style="text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1316">—</span>  </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.2in">All other loans</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_ecustom--AverageRecordedInvestment_iI_pn3n3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zLCazIoC282a" style="border-bottom: Black 1pt solid; text-align: right" title="Average Recorded Investment">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_ecustom--InterestIncomeRecognized_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zCghYd5kLbw2" style="border-bottom: Black 1pt solid; text-align: right" title="Interest Income Recognized">—  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zOC9ZxyuGYqh" style="border-bottom: Black 1pt solid; text-align: right" title="Recorded Investment"><span style="-sec-ix-hidden: xdx2ixbrl1322">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98E_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zfruitCLDdJ5" style="border-bottom: Black 1pt solid; text-align: right" title="Unpaid Principal Balance"><span style="-sec-ix-hidden: xdx2ixbrl1324">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_iI_pdn3_c20201231__us-gaap--RealEstatePropertiesAxis__custom--ImpairedFinancingReceivablesWithRelatedAllowanceMember__us-gaap--CreditFacilityAxis__custom--AllOtherLoansMember_zd4ponmmL2g8" style="border-bottom: Black 1pt solid; text-align: right" title="Related Allowance"><span style="-sec-ix-hidden: xdx2ixbrl1326">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_ecustom--AverageRecordedInvestment_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Average Recorded Investment">5,453</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_ecustom--InterestIncomeRecognized_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Interest Income Recognized">170</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--ImpairedFinancingReceivableRecordedInvestment_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Recorded Investment">5,082</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_981_eus-gaap--ImpairedFinancingReceivableUnpaidPrincipalBalance_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Unpaid Principal Balance">5,926</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--ImpairedFinancingReceivableRelatedAllowance_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Related Allowance">1,052</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 99000 140000 24000 298000 1508000 1791000 320000 490000 2000 2000 315000 372000 94000 340000 372000 53000 197000 209000 17000 28000 35000 2000 2833000 3709000 166000 385000 386000 99000 376000 1662000 1898000 391000 560000 5000 6000 1566000 1678000 574000 337000 365000 72000 208000 220000 2000 429000 437000 404000 5082000 5926000 1052000 206162000 32325000 224530000 33048000 18735000 514800000 54325000 4021000 18756000 1842000 179381000 25031000 222980000 16569000 18368000 462329000 86010000 4450000 20632000 2145000 575566000 <table cellpadding="0" cellspacing="0" id="xdx_890_eus-gaap--FinancingReceivableCreditQualityIndicatorsTableTextBlock_pn3n3_zvkG8MS8OANj" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - LOANS (Details 4)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in"><span id="xdx_8B6_zjxhrJ1Kpnnh" style="display: none">Summary of risk category of loans receivable</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic; text-align: justify"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>As of December 31, 2021</b></span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pass</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Special</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mention</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Substandard</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Doubtful</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></p></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 35%; padding-left: 0.2in">Commercial</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="width: 9%; text-align: right" title="Total">198,022</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="width: 9%; text-align: right" title="Total">7,725</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="width: 9%; text-align: right" title="Total">415</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="width: 9%; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1605">—</span>  </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zVppiXHua2ga" style="width: 9%; text-align: right" title="Total">206,162</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">Construction and land development</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">31,366</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">922</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">37</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1615">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zMnUYD3qeDr9" style="text-align: right" title="Total">32,325</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">221,342</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">915</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">2,273</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1625">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_z8J5AtDFbqMg" style="text-align: right" title="Total">224,530</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in">Multifamily</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">32,499</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">438</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pdn3" style="text-align: right" title="Total">111</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1635">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zqgddDdTQ3th" style="text-align: right" title="Total">33,048</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.2in">Farmland</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total">18,137</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total">550</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total">48</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1645">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_z1QJoQDGhue7" style="border-bottom: Black 1pt solid; text-align: right" title="Total">18,735</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.4in">Total real estate loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">501,366</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">10,550</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">2,884</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1655">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zBMdOcaFqvck" style="text-align: right" title="Total">514,800</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">53,162</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">1,154</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zmmXoMeRlGj2" style="text-align: right" title="Total">9</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1665">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_zf5LuBOFMlu6" style="text-align: right" title="Total">54,325</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt">Agriculture</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">4,021</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1671">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1673">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1675">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_z8V2TZZ50f35" style="text-align: right" title="Total">4,021</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Consumer installment loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">18,746</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pdn3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_zEdO8TrGhOFj" style="text-align: right" title="Total">2</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">8</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1685">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_zmGpx8INFvi7" style="text-align: right" title="Total">18,756</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">All other loans</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total">1,842</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1691">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1693">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1695">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_z9hpxeZox7wi" style="border-bottom: Black 1pt solid; text-align: right" title="Total">1,842</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">579,137</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">11,706</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">2,901</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20211231__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1705">—</span>  </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20211231_z8n0VbkEXAmd" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">593,744</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic; text-align: justify"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>As of December 31, 2020</b></span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pass</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Special</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Mention</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Substandard</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Doubtful</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></p></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 35%; padding-left: 0.2in">Commercial</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="width: 9%; text-align: right" title="Total">171,212</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="width: 9%; text-align: right" title="Total">6,112</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_zgle0GUJqFD2" style="width: 9%; text-align: right" title="Total">2,057</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="width: 9%; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1715">—</span>  </td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zRLfdxI3JV2f" style="width: 9%; text-align: right" title="Total">179,381</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">Construction and land development</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">23,168</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">1,806</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">57</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1725">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zA0RhuCAvLy1" style="text-align: right" title="Total">25,031</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">218,947</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">1,304</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">2,729</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1735">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zefU3CNEEWW3" style="text-align: right" title="Total">222,980</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 0.2in">Multifamily</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">16,337</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pdn3" style="text-align: right" title="Total">232</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1743">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1745">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_zEvLR6RddDu8" style="text-align: right" title="Total">16,569</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 0.2in">Farmland</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total">17,019</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total">1,249</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total">100</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1755">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_zjWgJoNBmria" style="border-bottom: Black 1pt solid; text-align: right" title="Total">18,368</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.4in">Total real estate loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">446,683</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">10,703</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">4,943</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1765">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--CreditFacilityAxis__us-gaap--RealEstateMember_ziuMv9DBxef7" style="text-align: right">462,329</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">81,846</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">3,711</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">453</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialPortfolioSegmentMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pn3n3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1774">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialBorrowerMember_z5OoEXF5LEW7" style="text-align: right">86,010</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt">Agriculture</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">4,255</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">195</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1781">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1783">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_zKKLPLmp0qif" style="text-align: right" title="Total">4,450</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Consumer installment loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="text-align: right" title="Total">20,615</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="text-align: right" title="Total">5</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="text-align: right" title="Total">12</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pn3n3" style="text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1793">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_ztjYtWs8mRd5" style="text-align: right">20,632</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">All other loans</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total">2,145</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1798">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1800">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1802">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_zIHX5XXjYH2d" style="border-bottom: Black 1pt solid; text-align: right">2,145</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--InternalCreditAssessmentAxis__us-gaap--PassMember_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">555,544</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--InternalCreditAssessmentAxis__us-gaap--SpecialMentionMember_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">14,614</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--InternalCreditAssessmentAxis__us-gaap--SubstandardMember_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total">5,408</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_980_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_c20201231__us-gaap--InternalCreditAssessmentAxis__us-gaap--DoubtfulMember_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total"><span style="-sec-ix-hidden: xdx2ixbrl1811">—</span>  </td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_989_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_c20201231_za2dkUkkces7" style="border-bottom: Black 2.5pt double; text-align: right">575,566</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> </table> <p style="font: 1pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b/></span></p> 198022000 7725000 415000 206162000 31366000 922000 37000 32325000 221342000 915000 2273000 224530000 32499000 438000 111000 33048000 18137000 550000 48000 18735000 501366000 10550000 2884000 514800000 53162000 1154000 9000 54325000 4021000 4021000 18746000 2000 8000 18756000 1842000 1842000 579137000 11706000 2901000 593744000 171212000 6112000 2057000 179381000 23168000 1806000 57000 25031000 218947000 1304000 2729000 222980000 16337000 232000 16569000 17019000 1249000 100000 18368000 446683000 10703000 4943000 462329000 81846000 3711000 453000 86010000 4255000 195000 4450000 20615000 5000 12000 20632000 2145000 2145000 555544000 14614000 5408000 575566000 <p id="xdx_80D_eus-gaap--AllowanceForCreditLossesTextBlock_zDxawwX8QmJ5" style="font: 11pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>NOTE 7 <span id="xdx_82F_z0bsLKJ2zrpd">ALLOWANCE FOR LOAN LOSSES</span></b></span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> <p style="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following tables present activity in the allowance for loan losses for the years ended December 30, 2021 and 2020. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. Additionally, the allocation of the allowance by recorded portfolio segment and impairment method is presented as of December 30, 2021 and 2020.</span></p> <p style="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"/> <table border="0" cellpadding="0" cellspacing="0" id="xdx_89D_ecustom--ScheduleOfAllocationOfPortionOfAllowanceTableTextBlock_pn3n3_zcE9T6bpLiUg" style="font: 10pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - ALLOWANCE FOR LOAN LOSSES (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 39%"><span id="xdx_8B8_zrgINgfHbxvj" style="display: none">Schedule of allocation of portion of allowance</span></td> <td style="text-align: right; width: 1%"> </td> <td id="xdx_490_20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zi37luMKYN3h" style="text-align: right; width: 5%"> </td> <td style="text-align: right; width: 1%"> </td> <td id="xdx_49B_20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember_zA4jtGozZerh" style="text-align: right; width: 6%"> </td> <td style="text-align: right; width: 1%"> </td> <td id="xdx_49D_20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ResidentialOneFourFamilyMember_z6KEH3iSCFeb" style="text-align: right; width: 5%"> </td> <td style="text-align: right; width: 1%"> </td> <td id="xdx_499_20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember_zxOUKyxVsrm8" style="text-align: right; width: 5%"> </td> <td style="text-align: right; width: 1%"> </td> <td id="xdx_49E_20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember_zhKK0t3aVflj" style="text-align: right; width: 5%"> </td> <td style="text-align: right; width: 1%"> </td> <td id="xdx_49C_20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--CommercialMember_z55JSlBlSbse" style="text-align: right; width: 5%"> </td> <td style="text-align: right; width: 1%"> </td> <td id="xdx_49A_20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_zxW1bEx5Vf11" style="text-align: right; width: 5%"> </td> <td style="text-align: right; width: 1%"> </td> <td id="xdx_492_20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ConsumerAndAllOtherMember_zdowV7mwqB97" style="text-align: right; width: 5%"> </td> <td style="text-align: right; width: 1%"> </td> <td id="xdx_495_20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--UnallocatedFinancingReceivablesMember_zZXBkiMObutg" style="text-align: right; width: 5%"> </td> <td style="text-align: right; width: 1%"> </td> <td id="xdx_497_20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--TotalMember_zQHYzswxlfc" style="text-align: right; width: 5%"> </td></tr> <tr style="vertical-align: bottom"> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="9" style="border-bottom: Black 0.5pt solid; font-size: 11pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Real estate secured </span></td> <td style="font-size: 11pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="font-style: italic"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> (Dollars are in thousands) </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Commercial </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Construction and Land Development </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Residential 1-4 family </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Multifamily </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Farmland </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Commercial </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Agriculture </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Consumer and All Other </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Unallocated </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Total </span></td></tr> <tr style="vertical-align: bottom"> <td colspan="2" style="font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Year ended December 31, 2021 </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_407_ecustom--LoansAndLeaseReceivableAllowance_zi0CUngmT7Jc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Beginning balance </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        2,281</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              233</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        1,951</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           151</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              97</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        2,275</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              40</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           163</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -   </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        7,191</span></td></tr> <tr id="xdx_409_ecustom--FinancingReceivableAllowanceForCreditLossesWriteOff_iNI_pn3n3_di_z92yND2SQda1" style="vertical-align: bottom; background-color: White"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Charge-offs </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">          (915)</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">                 -   </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">            (48)</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -   </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -   </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">            (92)</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -   </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">            (78)</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -   </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      (1,133)</span></td></tr> <tr id="xdx_406_ecustom--FinancingReceivableAllowanceForCreditLosseRecovery_iI_zkN8OG3XB6e9" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Recoveries </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">                2</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">                  6</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              85</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -   </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              29</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           137</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">                1</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              45</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -   </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           305</span></td></tr> <tr id="xdx_40A_ecustom--ProvisionForLoanAndLeaseLosse_iI_zc4LSonwdLE6" style="vertical-align: bottom; background-color: White"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Provision </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           766</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              (50)</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           249</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           103</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              23</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      (1,221)</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">            (13)</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">            (22)</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           537</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           372</span></td></tr> <tr id="xdx_402_ecustom--LoanAndLeasesReceivableAllowance_pn3n3_zsk32BvMce1d" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Ending balance </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        2,134</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              189</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        2,237</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           254</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           149</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        1,099</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              28</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           108</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           537</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        6,735</span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td colspan="5" style="font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Allowance for loan losses at December 31, 2021 </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_40E_eus-gaap--FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_iI_pn3n3_zkRR1fLfY9T9" style="vertical-align: bottom; background-color: White"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Individually evluated for impairment </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              94</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">                 -  <span style="-sec-ix-hidden: xdx2ixbrl1876"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              53</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl1878"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              17</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">                2</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl1881"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl1882"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl1883"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           166</span></td></tr> <tr id="xdx_402_ecustom--CollectivelyEvaluatedForImpairment_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Collectively evaluated for impairment </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        2,040</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              189</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        2,184</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           254</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           132</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        1,097</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              28</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           108</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           537</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        6,569</span></td></tr> <tr id="xdx_402_ecustom--LoansAndLeasesReceivableAllowances_iI_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="color: White; text-align: left">Total<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        2,134</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              189</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        2,237</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           254</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           149</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        1,099</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              28</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           108</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           537</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        6,735</span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Loans at December 31, 2021 </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_40B_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Individually evluated for impairment </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           414</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">                24</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        1,848</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl1911"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           517</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              28</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl1914"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">                2</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl1916"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        2,833</span></td></tr> <tr id="xdx_40A_eus-gaap--FinancingReceivableCollectivelyEvaluatedForImpairment_iI_pn3n3" style="vertical-align: bottom; background-color: White"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Collectively evaluated for impairment </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">   205,748</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        32,301</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">   222,682</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      33,048</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      18,218</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      54,297</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        4,021</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      20,596</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl1927"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">   590,911</span></td></tr> <tr id="xdx_402_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="color: rgb(204,238,255); text-align: left">Total<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">   206,162</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        32,325</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">   224,530</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      33,048</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      18,735</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      54,325</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        4,021</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      20,598</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl1938"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">   593,744</span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"/> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table border="0" cellpadding="0" cellspacing="0" style="font: 10pt Calibri, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom"> <td style="font-size: 11pt; text-align: right; width: 30%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right; width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_495_20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zToeonqkaFPh" style="font-size: 11pt; text-align: right; width: 6%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right; width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_494_20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember_z1jw7FVuPo6g" style="font-size: 11pt; text-align: right; width: 6%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right; width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_495_20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ResidentialOneFourFamilyMember_zv1H9e199Pu8" style="font-size: 11pt; text-align: right; width: 6%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right; width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_497_20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember_zyR9GrsxVOm6" style="font-size: 11pt; text-align: right; width: 6%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right; width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_494_20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember_z9tUGUEqqFB2" style="font-size: 11pt; text-align: right; width: 6%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right; width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_496_20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--CommercialMember_ztMXTmO7cYx3" style="font-size: 11pt; text-align: right; width: 6%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right; width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_491_20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_zEtKSpEJPv2k" style="font-size: 11pt; text-align: right; width: 6%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right; width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_491_20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ConsumerAndAllOtherMember_zKrl6eX6AdJh" style="font-size: 11pt; text-align: right; width: 6%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right; width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_493_20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--UnallocatedFinancingReceivablesMember_zYUEX4Rmexll" style="font-size: 11pt; text-align: right; width: 6%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right; width: 1%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_497_20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--TotalMember_zweWc5WjE32h" style="font-size: 11pt; text-align: right; width: 6%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="9" style="border-bottom: Black 0.5pt solid; font-size: 11pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Real estate secured </span></td> <td style="font-size: 11pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: bottom"> <td style="font-style: italic"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> (Dollars are in thousands) </span></td> <td style="font-size: 11pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Commercial </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Construction and Land Development </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Residential 1-4 family </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Multifamily </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Farmland </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Commercial </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Agriculture </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Consumer and All Other </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Unallocated </span></td> <td style="font-size: 8pt; font-weight: bold; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 0.5pt solid; font-size: 8pt; font-weight: bold; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Total </span></td></tr> <tr style="vertical-align: bottom"> <td colspan="2" style="font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Year ended December 31, 2020 </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_407_ecustom--LoansAndLeaseReceivableAllowance_zRJgaTUbbJa5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Beginning balance </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        1,248</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              158</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        1,736</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           104</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           109</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        1,789</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              27</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           195</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">                2</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        5,368</span></td></tr> <tr id="xdx_409_ecustom--FinancingReceivableAllowanceForCreditLossesWriteOff_iNI_pn3n3_di_zUB1sZWzbVQf" style="vertical-align: bottom; background-color: White"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Charge-offs </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">            (65)</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">                 -   </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">          (165)</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -   </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">            (42)</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">          (329)</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">            (15)</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">            (85)</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -   </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">          (701)</span></td></tr> <tr id="xdx_406_ecustom--FinancingReceivableAllowanceForCreditLosseRecovery_iI_zNZwwkBrAADa" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Recoveries </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              57</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">                 -   </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              38</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -   </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              33</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              40</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">                1</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              55</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -   </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           224</span></td></tr> <tr id="xdx_40A_ecustom--ProvisionForLoanAndLeaseLosse_iI_zU96v4OeIUX5" style="vertical-align: bottom; background-color: White"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Provision </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        1,041</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">                75</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           342</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              47</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              (3)</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           775</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              27</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              (2)</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              (2)</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        2,300</span></td></tr> <tr id="xdx_402_ecustom--LoanAndLeasesReceivableAllowance_pn3n3_zimbEwDEOolc" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Ending balance </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        2,281</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              233</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        1,951</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           151</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              97</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        2,275</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              40</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           163</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -   </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        7,191</span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td colspan="5" style="font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Allowance for loan losses at December 31, 2020 </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_40E_eus-gaap--FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment_iI_pn3n3_zH0jAzzct9Bb" style="vertical-align: bottom; background-color: White"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Individually evluated for impairment </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           574</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">                 -  <span style="-sec-ix-hidden: xdx2ixbrl1997"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              72</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl1999"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">                2</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           404</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl2002"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl2003"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl2004"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        1,052</span></td></tr> <tr id="xdx_406_ecustom--CollectivelyEvaluatedForImpairment_iI_pn3n3_zMFlCvi8MLXf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Collectively evaluated for impairment </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        1,707</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              233</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        1,879</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           151</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              95</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        1,871</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              40</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           163</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -   </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        6,139</span></td></tr> <tr id="xdx_403_ecustom--LoansAndLeasesReceivableAllowances_iI_pn3n3_zOUkGPYbFso5" style="vertical-align: bottom; background-color: White"> <td style="color: White; text-align: left">Total<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        2,281</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              233</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        1,951</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           151</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              97</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        2,275</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">              40</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           163</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -   </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        7,191</span></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Loans at December 31, 2020 </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_40B_eus-gaap--FinancingReceivableIndividuallyEvaluatedForImpairment_iI_pn3n3_zP5wlXaClXe1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Individually evluated for impairment </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        1,951</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">                99</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        1,999</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl2032"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           599</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">           429</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl2035"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">                5</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl2037"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        5,082</span></td></tr> <tr id="xdx_407_eus-gaap--FinancingReceivableCollectivelyEvaluatedForImpairment_iI_pn3n3_zKlCD5PbDrtb" style="vertical-align: bottom; background-color: White"> <td><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> Collectively evaluated for impairment </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">   177,430</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        24,932</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">   220,981</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      16,569</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      17,769</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      85,581</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        4,450</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      22,772</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl2048"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">   570,484</span></td></tr> <tr id="xdx_40B_eus-gaap--LoansAndLeasesReceivableNetOfDeferredIncome_iI_pn3n3_zr9QIXpszVf2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="color: rgb(204,238,255); text-align: left">Total<span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">   179,381</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        25,031</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">   222,980</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      16,569</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      18,368</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      86,010</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">        4,450</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      22,777</span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">               -  <span style="-sec-ix-hidden: xdx2ixbrl2059"> </span></span></td> <td style="text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> $ </span></td> <td style="border-top: Black 0.5pt solid; border-bottom: Black 2pt double; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">   575,566</span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><br/></span></p> <p id="xdx_8A9_zRF3wquaZfja" style="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In determining the amount of our allowance, we rely on an analysis of our loan portfolio, our experience and our evaluation of general economic conditions. If our assumptions prove to be incorrect, our current allowance may not be sufficient to cover future loan losses and we may experience significant increases to our provision. Due to the underlying SBA guarantee provided for PPP loans, these accounts were not included in either the portfolio segment or impairment calculations at December 31, 2021 and 2020. Additionally, due to uncertainties presented by the ongoing pandemic and the resulting economic uncertainty, internal and external qualitative factors were revised accordingly. For 2021, external qualitative factors were adjusted to consider the impact of inflation.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> 94000 53000 17000 2000 166000 414000 24000 1848000 517000 28000 2000 2833000 205748000 32301000 222682000 33048000 18218000 54297000 4021000 20596000 590911000 206162000 32325000 224530000 33048000 18735000 54325000 4021000 20598000 593744000 574000 72000 2000 404000 1052000 1951000 99000 1999000 599000 429000 5000 5082000 177430000 24932000 220981000 16569000 17769000 85581000 4450000 22772000 570484000 179381000 25031000 222980000 16569000 18368000 86010000 4450000 22777000 575566000 <table cellpadding="0" cellspacing="0" id="xdx_88E_eus-gaap--TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock_pn3n3_zHS7qrCAvG4" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - TROUBLED DEBT RESTRUCTURINGS (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.75pt"><span id="xdx_8B2_zBzsRuYgFnoa" style="display: none">Schedule of loans modified as troubled debt restructurings</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: justify"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="11" style="border-bottom: Black 1pt solid; text-align: center">December 31, 2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="11" style="border-bottom: Black 1pt solid; text-align: center">December 31, 2020</td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"># of</span></p> <p style="font: 9pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Mod.</span></p> <p style="font: 9pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recorded Investment</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Mod.</span></p> <p style="font: 9pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recorded</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p><p style="font: 9pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"># of</span></p> <p style="font: 9pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Pre-Mod.</span></p> <p style="font: 9pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recorded Investment</span></p></td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center"><p style="font: 9pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Post-Mod.</span></p> <p style="font: 9pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Recorded</span></p> <p style="font: 9pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment</span></p></td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.75pt">Real estate secured:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 40%; padding-left: 5.75pt">   Commercial</td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_986_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_zV8gjFA7Rjni" style="width: 6%; text-align: right" title="# of Loans">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_pdn3_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_zZ0lYM04nlKe" style="width: 6%; text-align: right" title="Pre-Mod. Recorded Investment">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_pdn3_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_zNKK75ijUtsj" style="width: 6%; text-align: right" title="Post-Mod. Recorded Investment">—</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_98C_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_zdOjNCZCXGYh" style="width: 6%; text-align: right" title="# of Loans">3</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_987_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pn3n3" style="width: 6%; text-align: right" title="Pre-Mod. Recorded Investment">190</td><td style="width: 1%; text-align: left"> </td><td style="width: 2%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pn3n3" style="width: 6%; text-align: right" title="Post-Mod. Recorded Investment">190</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.75pt"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Construction and land</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Development </span></p></td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_zg9I8z5hi972" style="text-align: right" title="# of Loans">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Pre-Mod. Recorded Investment">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Post-Mod. Recorded Investment">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_zz5A3tz0ByAb" style="text-align: right" title="# of Loans">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Pre-Mod. Recorded Investment">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Post-Mod. Recorded Investment">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.75pt">   Residential 1-4 family</td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_zBwcQDtI3otb" style="text-align: right" title="# of Loans">1</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Pre-Mod. Recorded Investment">35</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Post-Mod. Recorded Investment">35</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_zhbBrNCuZrKe" style="text-align: right" title="# of Loans">27</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Pre-Mod. Recorded Investment">1,236</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Post-Mod. Recorded Investment">1,236</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.75pt">   Multifamily</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_zzTJUIp2vl99" style="text-align: right" title="# of Loans">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Pre-Mod. Recorded Investment">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Post-Mod. Recorded Investment">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_984_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_zZL1XzxVbOvj" style="text-align: right" title="# of Loans">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Pre-Mod. Recorded Investment">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Post-Mod. Recorded Investment">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 5.75pt">   Farmland</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_zhphKiMC5SH5" style="border-bottom: Black 1pt solid; text-align: right" title="# of Loans">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Pre-Mod. Recorded Investment">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Post-Mod. Recorded Investment">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98D_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_z5fDHE2cIekj" style="border-bottom: Black 1pt solid; text-align: right" title="# of Loans">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Pre-Mod. Recorded Investment">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Post-Mod. Recorded Investment">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.75pt">Total real estate loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_989_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_zkp6purik2q5" style="text-align: right" title="# of Loans">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Pre-Mod. Recorded Investment">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pdn3" style="text-align: right" title="Post-Mod. Recorded Investment">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_983_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_zY1IGPT1bYe8" style="text-align: right" title="# of Loans">30</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98D_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Pre-Mod. Recorded Investment">1,426</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember_pn3n3" style="text-align: right" title="Post-Mod. Recorded Investment">1,426</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.75pt">Commercial</td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--CommercialMember_zTEuoYv1rfP" style="text-align: right" title="# of Loans">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_pdn3_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--CommercialMember_zyOECJ15OfKk" style="text-align: right" title="Pre-Mod. Recorded Investment">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_pdn3_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--CommercialMember_zEiukmkeQiQ1" style="text-align: right" title="Post-Mod. Recorded Investment">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialMember_zVosB6wyzooc" style="text-align: right" title="# of Loans">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98A_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_pn3n3_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialMember_zWnHyySNAo1e" style="text-align: right" title="Pre-Mod. Recorded Investment">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_985_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_pn3n3_c20200101__20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--CommercialMember_zWqJnh8nwTt" style="text-align: right" title="Post-Mod. Recorded Investment">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.75pt">Agriculture</td><td> </td> <td style="text-align: left"> </td><td id="xdx_98B_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_zVsPgPKGxrAf" style="text-align: right" title="# of Loans">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_pdn3" style="text-align: right" title="Pre-Mod. Recorded Investment">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_pdn3" style="text-align: right" title="Post-Mod. Recorded Investment">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_zGMhIQ7S9fZh" style="text-align: right" title="# of Loans">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_pdn3" style="text-align: right" title="Pre-Mod. Recorded Investment">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_pdn3" style="text-align: right" title="Post-Mod. Recorded Investment">—</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.75pt">Consumer installment loans</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_zVJ2EfURSigg" style="text-align: right" title="# of Loans">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pdn3" style="text-align: right" title="Pre-Mod. Recorded Investment">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pdn3" style="text-align: right" title="Post-Mod. Recorded Investment">—</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_zvxtkW1iSpqd" style="text-align: right" title="# of Loans">2</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98E_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pn3n3" style="text-align: right" title="Pre-Mod. Recorded Investment">7</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pn3n3" style="text-align: right" title="Post-Mod. Recorded Investment">7</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.75pt">All other loans</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_987_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_zAu1v1D3Jktd" style="border-bottom: Black 1pt solid; text-align: right" title="# of Loans">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_983_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Pre-Mod. Recorded Investment">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_988_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20210101__20211231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Post-Mod. Recorded Investment">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_980_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_zCUemDwwx5m7" style="border-bottom: Black 1pt solid; text-align: right" title="# of Loans">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_981_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Pre-Mod. Recorded Investment">—</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_986_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20200101__20201231__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherLoansMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Post-Mod. Recorded Investment">—</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt; padding-left: 5.75pt">Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_983_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20210101__20211231_zoQ3BxhpFiB" style="border-bottom: Black 2.5pt double; text-align: right" title="# of Loans">1</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98C_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20210101__20211231_pdn3" style="border-bottom: Black 2.5pt double; text-align: right" title="Pre-Mod. Recorded Investment">35</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_984_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20210101__20211231_pdn3" style="border-bottom: Black 2.5pt double; text-align: right" title="Post-Mod. Recorded Investment">35</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left"> </td><td id="xdx_98E_ecustom--TroubledDebtRestructuringModificationsNumberOfContracts_uDecimal_c20200101__20201231_zEWSANdIqbR6" style="border-bottom: Black 2.5pt double; text-align: right" title="# of Loans">32</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98F_ecustom--TroubledDebtRestructuringModificationsPreModificationRecordedInvestment_c20200101__20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Pre-Mod. Recorded Investment">1,433</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_985_ecustom--TroubledDebtRestructuringModificationsPostModificationRecordedInvestment_c20200101__20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Post-Mod. Recorded Investment">1,433</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_803_eus-gaap--PropertyPlantAndEquipmentDisclosureTextBlock_z0jLqCwytYya" style="font: 11pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>NOTE 9 <span id="xdx_823_zv7UDCTsq90f">BANK PREMISES AND EQUIPMENT</span></b></span></p> <p style="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Depreciation expense for 2021 and 2020 was $2.1 million and $2.2 million, respectively. Bank premises and equipment at December 31, 2021 and 2020 are summarized as follows:</span></p> <p style="font: 10pt/12.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_887_eus-gaap--PropertyPlantAndEquipmentTextBlock_pn3n3_zYHMla5vxzw7" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - BANK PREMISES AND EQUIPMENT (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><span id="xdx_8BA_zesHe1t7FpRk" style="display: none">Schedule of bank premises and equipment</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 56%; padding-left: 5.4pt">Land</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LandMember_pn3n3" style="width: 12%; text-align: right" title="Bank premises and equipment, gross, total">7,424</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LandMember_pn3n3" style="width: 12%; text-align: right" title="Bank premises and equipment, gross, total">7,796</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Buildings and improvements</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--BuildingAndBuildingImprovementsMember_pn3n3" style="text-align: right" title="Bank premises and equipment, gross, total">16,252</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--BuildingAndBuildingImprovementsMember_pn3n3" style="text-align: right" title="Bank premises and equipment, gross, total">16,227</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Furniture and equipment</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--FurnitureAndFixturesMember_pn3n3" style="text-align: right" title="Bank premises and equipment, gross, total">14,139</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--FurnitureAndFixturesMember_pn3n3" style="text-align: right" title="Bank premises and equipment, gross, total">16,253</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Construction in progress</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ConstructionInProgressMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Bank premises and equipment, gross, total"><span style="-sec-ix-hidden: xdx2ixbrl2215">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ConstructionInProgressMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Bank premises and equipment, gross, total">1,025</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PropertyPlantAndEquipmentGross_c20211231_pn3n3" style="text-align: right" title="Bank premises and equipment, gross, total">37,815</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PropertyPlantAndEquipmentGross_c20201231_pn3n3" style="text-align: right" title="Bank premises and equipment, gross, total">43,008</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Less accumulated depreciation</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_pn3n3_di_c20211231_zTMCZxpoR0b2" style="border-bottom: Black 1pt solid; text-align: right" title="Less accumulated depreciation">(17,080</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_pn3n3_di_c20201231_zGjuFMbvd2a8" style="border-bottom: Black 1pt solid; text-align: right" title="Less accumulated depreciation">(18,726</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Bank Premises and Equipment</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--PropertyPlantAndEquipmentNet_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Bank premises and equipment, net, total">20,735</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--PropertyPlantAndEquipmentNet_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Bank premises and equipment, net, total">22,174</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">During the year ended December 31, 2021, the Bank sold four former branch locations, with net book values of approximately $1.1 million, resulting in approximately $173 thousand of net gains on sales.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Also, during 2021, the Bank transferred three other former branch locations, with net book values totaling approximately $2.0 million, to other real estate owned, resulting in an increase to OREO of $950 thousand, and disposal and valuation costs of approximately $1.1 million. Subsequently, in December 2021, these OREO properties were written down to $912 thousand. Equipment with a combined net book value of $188 thousand were written off in 2021.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">One new branch office, in Bristol, Virginia, was opened in 2021, resulting in an increase of $2.7 million in premises and equipment. During 2020, the Bank opened a new branch office in Kingsport, Tennessee, and a loan production office in Boone, North Carolina.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">As presented in Note 17 Leasing Activities, during 2021, the Bank repurchased the branch office located in Lebanon, Virginia, which had previously been sold and leased back.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_887_eus-gaap--PropertyPlantAndEquipmentTextBlock_pn3n3_zYHMla5vxzw7" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - BANK PREMISES AND EQUIPMENT (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><span id="xdx_8BA_zesHe1t7FpRk" style="display: none">Schedule of bank premises and equipment</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 56%; padding-left: 5.4pt">Land</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_985_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LandMember_pn3n3" style="width: 12%; text-align: right" title="Bank premises and equipment, gross, total">7,424</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_986_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--LandMember_pn3n3" style="width: 12%; text-align: right" title="Bank premises and equipment, gross, total">7,796</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Buildings and improvements</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--BuildingAndBuildingImprovementsMember_pn3n3" style="text-align: right" title="Bank premises and equipment, gross, total">16,252</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_986_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--BuildingAndBuildingImprovementsMember_pn3n3" style="text-align: right" title="Bank premises and equipment, gross, total">16,227</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Furniture and equipment</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--FurnitureAndFixturesMember_pn3n3" style="text-align: right" title="Bank premises and equipment, gross, total">14,139</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_988_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--FurnitureAndFixturesMember_pn3n3" style="text-align: right" title="Bank premises and equipment, gross, total">16,253</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Construction in progress</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--PropertyPlantAndEquipmentGross_c20211231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ConstructionInProgressMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Bank premises and equipment, gross, total"><span style="-sec-ix-hidden: xdx2ixbrl2215">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--PropertyPlantAndEquipmentGross_c20201231__us-gaap--PropertyPlantAndEquipmentByTypeAxis__us-gaap--ConstructionInProgressMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Bank premises and equipment, gross, total">1,025</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98C_eus-gaap--PropertyPlantAndEquipmentGross_c20211231_pn3n3" style="text-align: right" title="Bank premises and equipment, gross, total">37,815</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_98F_eus-gaap--PropertyPlantAndEquipmentGross_c20201231_pn3n3" style="text-align: right" title="Bank premises and equipment, gross, total">43,008</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Less accumulated depreciation</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_pn3n3_di_c20211231_zTMCZxpoR0b2" style="border-bottom: Black 1pt solid; text-align: right" title="Less accumulated depreciation">(17,080</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_iNI_pn3n3_di_c20201231_zGjuFMbvd2a8" style="border-bottom: Black 1pt solid; text-align: right" title="Less accumulated depreciation">(18,726</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Bank Premises and Equipment</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--PropertyPlantAndEquipmentNet_c20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Bank premises and equipment, net, total">20,735</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_987_eus-gaap--PropertyPlantAndEquipmentNet_c20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Bank premises and equipment, net, total">22,174</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 7424000 7796000 16252000 16227000 14139000 16253000 1025000 37815000 43008000 17080000 18726000 20735000 22174000 <p id="xdx_80A_eus-gaap--IncomeTaxDisclosureTextBlock_zbbmASFoNRq1" style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b>NOTE 10 <span id="xdx_82E_zCtZCWcMArPh">INCOME TAXES</span></b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">The Company files a consolidated federal income tax return. The following summarizes the provision for income taxes and the related deferred tax components for the years ended December 31, 2021 and 2020.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">The source of pre-tax book income is summarized as follows for the years ended December 31, 2021 and 2020:</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_895_eus-gaap--ScheduleOfIncomeBeforeIncomeTaxDomesticAndForeignTableTextBlock_pn3n3_zMllWAlMRJF5" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - INCOME TAXES (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"><span id="xdx_8B8_zdtfrsDu3Qa3" style="display: none">Schedule of pre-tax book income</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Pre-tax book income</span></p></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 56%; padding-bottom: 1pt; padding-left: 5.4pt">      Domestic</td><td style="width: 8%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_c20210101__20211231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--DomesticCountryMember_pn3n3" style="border-bottom: Black 1pt solid; width: 12%; text-align: right" title="Total pre-tax book income">8,952</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 8%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_c20200101__20201231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--DomesticCountryMember_pn3n3" style="border-bottom: Black 1pt solid; width: 12%; text-align: right" title="Total pre-tax book income">3,993</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Total pre-tax book income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_c20210101__20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total pre-tax book income">8,952</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_c20200101__20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total pre-tax book income">3,993</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A4_zIu5mp4oElV3" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Income tax expense is summarized as follows for the years ended December 31, 2021 and 2020:</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_89B_eus-gaap--ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_pn3n3_z5RHmhw1EAB7" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - INCOME TAXES (Details 1)"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"><span id="xdx_8B9_zGAE5j1GB629" style="display: none">Schedule of components of income tax expense</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Current income tax expense (benefit)</span></p></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 56%; padding-left: 5.4pt">     Federal</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--CurrentIncomeTaxExpenseBenefit_c20210101__20211231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--ForeignCountryMember_pn3n3" style="width: 12%; text-align: right" title="Total current income tax expense (benefit)">(172</td><td style="width: 1%; text-align: left">)</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--CurrentIncomeTaxExpenseBenefit_c20200101__20201231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--ForeignCountryMember_pn3n3" style="width: 12%; text-align: right" title="Total current income tax expense (benefit)">(200</td><td style="width: 1%; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 5.4pt">     State</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--CurrentIncomeTaxExpenseBenefit_c20210101__20211231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--StateAndLocalJurisdictionMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total current income tax expense (benefit)"><span style="-sec-ix-hidden: xdx2ixbrl2250">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--CurrentIncomeTaxExpenseBenefit_c20200101__20201231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--StateAndLocalJurisdictionMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total current income tax expense (benefit)"><span style="-sec-ix-hidden: xdx2ixbrl2252">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Total current income tax expense (benefit)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--CurrentIncomeTaxExpenseBenefit_c20210101__20211231_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total current income tax expense (benefit)">(172</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--CurrentIncomeTaxExpenseBenefit_c20200101__20201231_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total current income tax expense (benefit)">(200</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> </table> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td>Deferred income tax expense</td><td> </td> <td colspan="3"> </td><td> </td> <td colspan="3"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 56%; padding-left: 5.4pt">     Federal</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_987_eus-gaap--DeferredIncomeTaxExpenseBenefit_c20210101__20211231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--ForeignCountryMember_pn3n3" style="width: 12%; text-align: right" title="Total deferred income tax expense">2,067</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_989_eus-gaap--DeferredIncomeTaxExpenseBenefit_c20200101__20201231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--ForeignCountryMember_pn3n3" style="width: 12%; text-align: right" title="Total deferred income tax expense">1,304</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 5.4pt">     State</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--DeferredIncomeTaxExpenseBenefit_c20210101__20211231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--StateAndLocalJurisdictionMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total deferred income tax expense">47</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--DeferredIncomeTaxExpenseBenefit_c20200101__20201231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--StateAndLocalJurisdictionMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total deferred income tax expense">(1</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Total deferred income tax expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_ecustom--DeferredIncomeTaxExpenseBenefits_pn3n3_c20210101__20211231_zytIC5OVnQ71" style="border-bottom: Black 1pt solid; text-align: right" title="Total deferred income tax expense">2,114</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_ecustom--DeferredIncomeTaxExpenseBenefits_pn3n3_c20200101__20201231_zKsWso0BggSf" style="border-bottom: Black 1pt solid; text-align: right" title="Total deferred income tax expense">1,303</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Income tax expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--IncomeTaxExpenseBenefit_c20210101__20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Income tax expense">1,942</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--IncomeTaxExpenseBenefit_c20200101__20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Income tax expense">1,103</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A2_zY4faPtsR9Va" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">The following table summarizes the differences between the actual income tax expense and the amounts computed using the federal statutory tax rate of 21% for years ended December 31, 2021 and 2020, respectively:</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_89E_eus-gaap--ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_pn3n3_zVldQgcNMA37" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - INCOME TAXES (Details 2)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"><span id="xdx_8B2_zaD6E6wsmeIb" style="display: none">Schedule of reconciliation of income tax expense</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20210101__20211231_zO9nLuYMH9o4" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20200101__20201231_zVepY89WonPf" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic; text-align: justify">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr id="xdx_406_eus-gaap--IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 56%; text-align: justify; padding-left: 5.4pt">Income tax expense (benefit) at the applicable federal rate</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,879</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">839</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">Permanent differences resulting from:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--IncomeTaxReconciliationNondeductibleExpense_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">     Nondeductible expenses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--IncomeTaxReconciliationTaxExemptIncome_i01N_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">     Tax exempt interest income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(4</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(7</td><td style="text-align: left">)</td></tr> <tr id="xdx_400_ecustom--IncomeTaxReconciliationBankOwnedLifeInsurance_i01_pn3n3_zlGKqfHmrwr5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">     Bank owned life insurance</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(7</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(16</td><td style="text-align: left">)</td></tr> <tr id="xdx_401_eus-gaap--IncomeTaxReconciliationOtherAdjustments_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Other adjustments</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">67</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">279</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--IncomeTaxExpenseBenefit_pn3n3_zC9YkD3uOYJh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Income tax expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,942</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,103</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A4_zVeaI0OfQKp9" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The net deferred tax assets and liabilities resulting from temporary differences as of December 31, 2021 and 2020, are summarized as follows:</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_89B_eus-gaap--ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_pn3n3_zEs11wfw9uA5" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - INCOME TAXES (Details 3)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><span id="xdx_8BB_zSguhr32IDm1" style="display: none">Schedule of net deferred tax assets and liabilities</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20211231_zwR256batfxk" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20201231_zG6O33TySZf8" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr id="xdx_40C_eus-gaap--DeferredTaxAssetsNetAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Deferred Tax Assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="width: 56%; text-align: left; padding-left: 5.4pt">     Allowance for loan losses</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,500</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,568</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">     Deferred compensation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">85</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">92</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--DeferredTaxAssetsNonaccrualLoanInterest_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">     Nonaccrual loan interest</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">532</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">490</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_ecustom--DeferredTaxAssetsOtherRealEstateOwned_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">     Unrealized loss on securities available for sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">216</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--OtherRealEstateOwned_i01I_pn3n3_zYjWIIlhmcZ1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">     Other real estate owned</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">305</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">83</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--DeferredTaxAssetsAmortizationOfCoreDeposits_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">     Amortization of core deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">18</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--DeferredTaxAssetsGoodwillAndIntangibleAssets_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt">     Amortization of goodwill</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">90</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--DeferredTaxAssetsCapitalizedInterestAndRepairExpense_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">     Capitalized interest and repair expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">23</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">23</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DeferredTaxAssetsOperatingLossCarryforwards_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">     Net operating loss carryforward</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">460</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,172</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DeferredTaxAssetsOther_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 5.4pt">     Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">98</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">33</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DeferredTaxAssetsGross_i01I_pn3n3_zvJmybylDEg9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Total Assets, gross</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,256</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,569</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--DeferredTaxAssetsValuationAllowance_i01NI_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Valuation allowance</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2336">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2337">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxAssetsNet_i01I_pn3n3_zM2UDuOdFrif" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Total Assets, net</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,256</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,569</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DeferredTaxLiabilitiesAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Deferred Tax Liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--DeferredTaxLiabilitiesAcceleratedDepreciation_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">     Accelerated depreciation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,105</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">869</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--AccruedEmployeeBenefitsCurrent_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">     Unrealized gain on securities available for sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2348">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">197</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DeferredTaxLiabilitiesPrepaidExpenses_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">     Prepaid expenses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">27</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_ecustom--DeferredLoanCosts_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">     Deferred loan costs</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">451</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">355</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DeferredIncomeTaxLiabilities_i01I_pn3n3_zdUpNYvYT2J2" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Total Liabilities, gross</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,583</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,443</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DeferredTaxAssetsLiabilitiesNet_iI_pn3n3_zmkI5XSF03hb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Net Deferred Tax Asset</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,673</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,126</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A1_z5qyK35UMfVd" style="font: 11pt/10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">In accordance with applicable accounting guidance, the Company determined that it was not required to establish a valuation allowance for deferred tax assets as it is more likely than not that the deferred tax asset will be realized through future taxable income, future reversals of existing taxable temporary differences and tax strategies. The Company’s net deferred tax asset is recorded in the consolidated financial statements separately.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">At December 31, 2021 and 2020, the Company had no unrecognized tax benefits. The Company does not expect the total amount of unrecognized tax benefits to increase significantly over the next twelve months. The company recognizes interest and penalties as a component of income tax expense.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">The Company and Bank are subject to U. S. federal income tax, a capital-based franchise tax in the Commonwealth of Virginia; and income and excise taxes in West Virginia, Tennessee and North Carolina, respectively, based on earnings realized from business activities within each state. Years prior to 2018 are no longer subject to examination by taxing authorities.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_895_eus-gaap--ScheduleOfIncomeBeforeIncomeTaxDomesticAndForeignTableTextBlock_pn3n3_zMllWAlMRJF5" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - INCOME TAXES (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"><span id="xdx_8B8_zdtfrsDu3Qa3" style="display: none">Schedule of pre-tax book income</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Pre-tax book income</span></p></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 56%; padding-bottom: 1pt; padding-left: 5.4pt">      Domestic</td><td style="width: 8%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_98A_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_c20210101__20211231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--DomesticCountryMember_pn3n3" style="border-bottom: Black 1pt solid; width: 12%; text-align: right" title="Total pre-tax book income">8,952</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td><td style="width: 8%; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; width: 1%; text-align: left">$</td><td id="xdx_988_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_c20200101__20201231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--DomesticCountryMember_pn3n3" style="border-bottom: Black 1pt solid; width: 12%; text-align: right" title="Total pre-tax book income">3,993</td><td style="width: 1%; padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Total pre-tax book income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_c20210101__20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total pre-tax book income">8,952</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98E_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_c20200101__20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Total pre-tax book income">3,993</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 8952000 3993000 8952000 3993000 <table cellpadding="0" cellspacing="0" id="xdx_89B_eus-gaap--ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_pn3n3_z5RHmhw1EAB7" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - INCOME TAXES (Details 1)"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"><span id="xdx_8B9_zGAE5j1GB629" style="display: none">Schedule of components of income tax expense</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Current income tax expense (benefit)</span></p></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 56%; padding-left: 5.4pt">     Federal</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_981_eus-gaap--CurrentIncomeTaxExpenseBenefit_c20210101__20211231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--ForeignCountryMember_pn3n3" style="width: 12%; text-align: right" title="Total current income tax expense (benefit)">(172</td><td style="width: 1%; text-align: left">)</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_983_eus-gaap--CurrentIncomeTaxExpenseBenefit_c20200101__20201231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--ForeignCountryMember_pn3n3" style="width: 12%; text-align: right" title="Total current income tax expense (benefit)">(200</td><td style="width: 1%; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 5.4pt">     State</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--CurrentIncomeTaxExpenseBenefit_c20210101__20211231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--StateAndLocalJurisdictionMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total current income tax expense (benefit)"><span style="-sec-ix-hidden: xdx2ixbrl2250">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_eus-gaap--CurrentIncomeTaxExpenseBenefit_c20200101__20201231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--StateAndLocalJurisdictionMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total current income tax expense (benefit)"><span style="-sec-ix-hidden: xdx2ixbrl2252">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Total current income tax expense (benefit)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98B_eus-gaap--CurrentIncomeTaxExpenseBenefit_c20210101__20211231_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total current income tax expense (benefit)">(172</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_989_eus-gaap--CurrentIncomeTaxExpenseBenefit_c20200101__20201231_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total current income tax expense (benefit)">(200</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> </table> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom"> <td>Deferred income tax expense</td><td> </td> <td colspan="3"> </td><td> </td> <td colspan="3"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 56%; padding-left: 5.4pt">     Federal</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_987_eus-gaap--DeferredIncomeTaxExpenseBenefit_c20210101__20211231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--ForeignCountryMember_pn3n3" style="width: 12%; text-align: right" title="Total deferred income tax expense">2,067</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left"> </td><td id="xdx_989_eus-gaap--DeferredIncomeTaxExpenseBenefit_c20200101__20201231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--ForeignCountryMember_pn3n3" style="width: 12%; text-align: right" title="Total deferred income tax expense">1,304</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; padding-left: 5.4pt">     State</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_984_eus-gaap--DeferredIncomeTaxExpenseBenefit_c20210101__20211231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--StateAndLocalJurisdictionMember_pn3n3" style="border-bottom: Black 1pt solid; text-align: right" title="Total deferred income tax expense">47</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98A_eus-gaap--DeferredIncomeTaxExpenseBenefit_c20200101__20201231__us-gaap--IncomeTaxAuthorityAxis__us-gaap--StateAndLocalJurisdictionMember_pdn3" style="border-bottom: Black 1pt solid; text-align: right" title="Total deferred income tax expense">(1</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Total deferred income tax expense</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98C_ecustom--DeferredIncomeTaxExpenseBenefits_pn3n3_c20210101__20211231_zytIC5OVnQ71" style="border-bottom: Black 1pt solid; text-align: right" title="Total deferred income tax expense">2,114</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_ecustom--DeferredIncomeTaxExpenseBenefits_pn3n3_c20200101__20201231_zKsWso0BggSf" style="border-bottom: Black 1pt solid; text-align: right" title="Total deferred income tax expense">1,303</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Income tax expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98A_eus-gaap--IncomeTaxExpenseBenefit_c20210101__20211231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Income tax expense">1,942</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_988_eus-gaap--IncomeTaxExpenseBenefit_c20200101__20201231_pn3n3" style="border-bottom: Black 2.5pt double; text-align: right" title="Income tax expense">1,103</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> -172000 -200000 -172000 -200000 2067000 1304000 47000 -1000 1942000 1103000 <table cellpadding="0" cellspacing="0" id="xdx_89E_eus-gaap--ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_pn3n3_zVldQgcNMA37" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - INCOME TAXES (Details 2)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"><span id="xdx_8B2_zaD6E6wsmeIb" style="display: none">Schedule of reconciliation of income tax expense</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_491_20210101__20211231_zO9nLuYMH9o4" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_497_20200101__20201231_zVepY89WonPf" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic; text-align: justify">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr id="xdx_406_eus-gaap--IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 56%; text-align: justify; padding-left: 5.4pt">Income tax expense (benefit) at the applicable federal rate</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,879</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">839</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">Permanent differences resulting from:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--IncomeTaxReconciliationNondeductibleExpense_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">     Nondeductible expenses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--IncomeTaxReconciliationTaxExemptIncome_i01N_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">     Tax exempt interest income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(4</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(7</td><td style="text-align: left">)</td></tr> <tr id="xdx_400_ecustom--IncomeTaxReconciliationBankOwnedLifeInsurance_i01_pn3n3_zlGKqfHmrwr5" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">     Bank owned life insurance</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(7</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(16</td><td style="text-align: left">)</td></tr> <tr id="xdx_401_eus-gaap--IncomeTaxReconciliationOtherAdjustments_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Other adjustments</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">67</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">279</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--IncomeTaxExpenseBenefit_pn3n3_zC9YkD3uOYJh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Income tax expense</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,942</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,103</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1879000 839000 7000 8000 -4000 -7000 67000 279000 1942000 1103000 <table cellpadding="0" cellspacing="0" id="xdx_89B_eus-gaap--ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_pn3n3_zEs11wfw9uA5" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - INCOME TAXES (Details 3)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><span id="xdx_8BB_zSguhr32IDm1" style="display: none">Schedule of net deferred tax assets and liabilities</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_495_20211231_zwR256batfxk" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20201231_zG6O33TySZf8" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr id="xdx_40C_eus-gaap--DeferredTaxAssetsNetAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Deferred Tax Assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="width: 56%; text-align: left; padding-left: 5.4pt">     Allowance for loan losses</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,500</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">1,568</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsEmployeeCompensation_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">     Deferred compensation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">85</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">92</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--DeferredTaxAssetsNonaccrualLoanInterest_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">     Nonaccrual loan interest</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">532</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">490</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_ecustom--DeferredTaxAssetsOtherRealEstateOwned_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">     Unrealized loss on securities available for sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">216</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--OtherRealEstateOwned_i01I_pn3n3_zYjWIIlhmcZ1" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">     Other real estate owned</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">305</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">83</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--DeferredTaxAssetsAmortizationOfCoreDeposits_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">     Amortization of core deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">18</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--DeferredTaxAssetsGoodwillAndIntangibleAssets_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt">     Amortization of goodwill</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">31</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">90</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--DeferredTaxAssetsCapitalizedInterestAndRepairExpense_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">     Capitalized interest and repair expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">23</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">23</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--DeferredTaxAssetsOperatingLossCarryforwards_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">     Net operating loss carryforward</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">460</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,172</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DeferredTaxAssetsOther_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-bottom: 1pt; padding-left: 5.4pt">     Other</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">98</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">33</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DeferredTaxAssetsGross_i01I_pn3n3_zvJmybylDEg9" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Total Assets, gross</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,256</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4,569</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--DeferredTaxAssetsValuationAllowance_i01NI_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Valuation allowance</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2336">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2337">—</span>  </td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DeferredTaxAssetsNet_i01I_pn3n3_zM2UDuOdFrif" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Total Assets, net</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,256</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">4,569</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--DeferredTaxLiabilitiesAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Deferred Tax Liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--DeferredTaxLiabilitiesAcceleratedDepreciation_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">     Accelerated depreciation</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,105</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">869</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--AccruedEmployeeBenefitsCurrent_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">     Unrealized gain on securities available for sale</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl2348">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">197</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--DeferredTaxLiabilitiesPrepaidExpenses_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">     Prepaid expenses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">27</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">22</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_ecustom--DeferredLoanCosts_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">     Deferred loan costs</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">451</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">355</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--DeferredIncomeTaxLiabilities_i01I_pn3n3_zdUpNYvYT2J2" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Total Liabilities, gross</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,583</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,443</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--DeferredTaxAssetsLiabilitiesNet_iI_pn3n3_zmkI5XSF03hb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Net Deferred Tax Asset</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,673</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,126</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 1500000 1568000 85000 92000 31000 90000 460000 2172000 98000 33000 3256000 4569000 3256000 4569000 197000 27000 22000 1583000 1443000 1673000 3126000 <p id="xdx_805_eus-gaap--RelatedPartyTransactionsDisclosureTextBlock_z6RouCo0kwGe" style="font: 11pt/12pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b>NOTE 12 <span id="xdx_823_z9sqsjgImIk4">RELATED PARTY TRANSACTIONS</span></b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Officers, directors (and companies controlled by them), principal shareholders, and associates were customers of and had loan transactions with the Bank in the normal course of business. The following table summarizes these transactions, which were made on substantially the same terms as those prevailing for other customers and did not involve any abnormal risk.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_88D_ecustom--ScheduleOfRelatedPartyTableTextBlock_pn3n3_zXNf8OOkAVn8" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - RELATED PARTY TRANSACTIONS (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><span id="xdx_8B1_zuzr0XNYd3cc" style="display: none">Schedule of related party</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; text-align: center"/><td style="padding-bottom: 1pt"> </td> <td colspan="7" style="border-bottom: Black 1pt solid; text-align: center">For the year ended December 31,</td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-style: italic">(Dollars in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 56%; text-align: left; padding-left: 5.4pt">Beginning balance</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--DueFromOfficersOrStockholders_iS_pn3n3_c20210101__20211231_zZELdmLKQCs9" style="width: 12%; text-align: right" title="Beginning balance">4,187</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98F_eus-gaap--DueFromOfficersOrStockholders_iS_pn3n3_c20200101__20201231_z4P4pXDF4Uz4" style="width: 12%; text-align: right" title="Ending balance">2,457</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">New loans and advances on lines</td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--ProceedsFromRelatedPartyDebt_c20210101__20211231_pn3n3" style="text-align: right" title="New loans and advances on lines">2,620</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_982_eus-gaap--ProceedsFromRelatedPartyDebt_c20200101__20201231_pn3n3" style="text-align: right" title="New loans and advances on lines">4,567</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Payments and other reductions</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_98F_eus-gaap--RepaymentsOfRelatedPartyDebt_iN_pn3n3_di_c20210101__20211231_zpE43CtZ2prf" style="border-bottom: Black 1pt solid; text-align: right" title="Payments and other reductions">(3,388</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td id="xdx_985_eus-gaap--RepaymentsOfRelatedPartyDebt_iN_pn3n3_di_c20200101__20201231_zesZm3z3Mnwd" style="border-bottom: Black 1pt solid; text-align: right" title="Payments and other reductions">(2,837</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt; padding-left: 5.4pt">Ending balance</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_986_eus-gaap--DueFromOfficersOrStockholders_iE_pn3n3_c20210101__20211231_zaGiF8oonV0j" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance">3,419</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td id="xdx_98B_eus-gaap--DueFromOfficersOrStockholders_iE_pn3n3_c20200101__20201231_zepWUYb3DlJj" style="border-bottom: Black 2.5pt double; text-align: right" title="Ending balance">4,187</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total related party deposits held at the Bank were $24.8 million and $21.5 million as of December 31, 2021 and 2020, respectively.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">NPB Insurance Services, Inc. holds a 39% membership interest in Lonesome Pine Title Agency, LLC, which provides title insurance. Another member of the agency is a related party to the Company.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In August, 2021, the Bank sold a parcel of land, adjacent to the Grundy, Virginia office to a director for $150 thousand, which approximated the fair value of the property. A gain of $17 thousand was recorded from this transaction.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b/></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> 4187000 2457000 2620000 4567000 3388000 2837000 3419000 4187000 <p id="xdx_80A_eus-gaap--PensionAndOtherPostretirementBenefitsDisclosureTextBlock_z9j9F1h0Srql" style="font: 11pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>NOTE 13 <span id="xdx_82E_zW2LhmBDYC11">RETIREMENT PLANS</span></b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company has established a qualified defined contribution plan that covers all full-time employees. The Company matches employee contributions up to a maximum of 3% of their salary. The Company contributed $246 thousand and $258 thousand to the defined contribution plan for 2021 and 2020, respectively.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Bank maintains a salary continuation plan for key executives which was established in 2002 and is funded by single premium life insurance policies. Expenses related to the plan were $29 thousand and $17 thousand for the years ended December 31, 2021 and 2020, respectively.</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p id="xdx_801_eus-gaap--RealEstateDisclosureTextBlock_zHdRozvwRTX4" style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>NOTE 14 <span id="xdx_822_zEoiI4laFg11">OTHER REAL ESTATE OWNED</span></b></span></p> <p style="font: 10pt/11.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt/11.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following table summarizes the activity in other real estate owned for the years ended December 31, 2021 and 2020:</span></p> <p style="font: 10pt/11.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_887_eus-gaap--OtherRealEstateCoveredRollForwardTableTextBlock_pn3n3_z4UTidSsBhCd" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - OTHER REAL ESTATE OWNED (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"><span id="xdx_8BB_zlvSUWf5JIE4" style="display: none">Schedule of other real estate owned</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20210101__20211231_zL8V6y6lamE5" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20200101__20201231_zcnyJwoGcgzj" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-style: italic; text-align: justify; padding-left: 5.4pt">(Dollars are in thousands)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--RealEstateInvestmentsOthers_pn3n3_z0eRpYlGel07" style="vertical-align: bottom; background-color: White"> <td style="width: 56%; text-align: justify; padding-left: 5.4pt">Balance, beginning of year</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">3,334</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">3,393</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_406_ecustom--Additions_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 0.2in">Additions</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">566</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,128</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--TransfersOfPremisesAndEquipmentToOtherRealEstateOwned_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 0.2in">Transfers from premises and equipment</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">950</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--ProceedsFromSales_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 0.2in">Proceeds from sales</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,645</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(687</td><td style="text-align: left">)</td></tr> <tr id="xdx_40C_ecustom--ProceedsFromInsuranceClaims_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 0.2in">Proceeds from insurance claims</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(54</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--LoansMadeToFinanceSalesOfOtherRealEstateOwned_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 0.2in">Loans made to finance sales</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(400</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(428</td><td style="text-align: left">)</td></tr> <tr id="xdx_406_ecustom--AdjustmentOfCarryingValue_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 0.2in">Adjustment of carrying value</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(466</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(132</td><td style="text-align: left">)</td></tr> <tr id="xdx_401_ecustom--GainLossFromSales_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 0.2in">Gains (losses) from sales</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">76</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">60</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--RealEstateInvestmentOther_pn3n3_ztPRqeeQGXfd" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Balance, end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,361</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,334</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 11pt/11.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <table cellpadding="0" cellspacing="0" id="xdx_887_eus-gaap--OtherRealEstateCoveredRollForwardTableTextBlock_pn3n3_z4UTidSsBhCd" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - OTHER REAL ESTATE OWNED (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"><span id="xdx_8BB_zlvSUWf5JIE4" style="display: none">Schedule of other real estate owned</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20210101__20211231_zL8V6y6lamE5" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20200101__20201231_zcnyJwoGcgzj" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-style: italic; text-align: justify; padding-left: 5.4pt">(Dollars are in thousands)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--RealEstateInvestmentsOthers_pn3n3_z0eRpYlGel07" style="vertical-align: bottom; background-color: White"> <td style="width: 56%; text-align: justify; padding-left: 5.4pt">Balance, beginning of year</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">3,334</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">3,393</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_406_ecustom--Additions_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 0.2in">Additions</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">566</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,128</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--TransfersOfPremisesAndEquipmentToOtherRealEstateOwned_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 0.2in">Transfers from premises and equipment</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">950</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--ProceedsFromSales_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 0.2in">Proceeds from sales</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,645</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(687</td><td style="text-align: left">)</td></tr> <tr id="xdx_40C_ecustom--ProceedsFromInsuranceClaims_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 0.2in">Proceeds from insurance claims</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(54</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">—  </td><td style="text-align: left"> </td></tr> <tr id="xdx_409_ecustom--LoansMadeToFinanceSalesOfOtherRealEstateOwned_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 0.2in">Loans made to finance sales</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(400</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(428</td><td style="text-align: left">)</td></tr> <tr id="xdx_406_ecustom--AdjustmentOfCarryingValue_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 0.2in">Adjustment of carrying value</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(466</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(132</td><td style="text-align: left">)</td></tr> <tr id="xdx_401_ecustom--GainLossFromSales_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 0.2in">Gains (losses) from sales</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">76</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">60</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--RealEstateInvestmentOther_pn3n3_ztPRqeeQGXfd" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Balance, end of year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">1,361</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">3,334</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_80D_eus-gaap--RestrictionsOnDividendsLoansAndAdvancesTextBlock_zHKdvpaioFPf" style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>NOTE 16 <span id="xdx_82D_zOIsofqFn7E3">DIVIDEND LIMITATIONS ON SUBSIDIARY BANK</span></b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">A principal source of funds for the Company is dividends paid by the Bank. The Federal Reserve Act restricts the amount of dividends the Bank may pay. Approval by the Board of Governors of the Federal Reserve System is required if the dividends declared by a state member bank, in any year, exceed the sum of (1) net income of the current year and (2) income net of dividends for the preceding two years.</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Virginia law restricts the amount of dividends a Virginia corporation may pay. Generally, a Virginia corporation may not authorize and make distributions if, after giving effect to the distribution, it would be unable to meet its debts as they become due in the usual course of business or if the corporation’s total assets would be less than the sum of its total liabilities plus the amount that would be needed, if it were dissolved at that time, to satisfy the preferential rights of shareholders whose rights are superior to the rights of those receiving the distribution. In addition, the payment of distributions to shareholders is subject to any prior rights of outstanding preferred stock.</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> <p id="xdx_80F_eus-gaap--LeasesOfLesseeDisclosureTextBlock_zLGf1IKDNZP8" style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b>NOTE 17 <span id="xdx_820_z8vXUeAXqFFj">LEASING ACTIVITIES</span></b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">During 2021, the Bank repurchased its branch office located in Lebanon, Virginia, for $1.3 million. This branch had previously been sold and leased back in September 2019. As a result of the repurchase, the lease with a remaining term of 12.9 years was cancelled.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">At December 31, 2021, the Bank leases four branch offices and sublets a lot adjacent to another branch office. The lease agreements have maturity dates ranging from May 2032 to December 2041. It is assumed that there are currently no circumstances in which the leases would be terminated prior to expiration. The weighted average remaining life of the lease terms at December 31, 2021, was 10.61 years.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">The discount rate used in determining the lease liability for each individual lease was the FHLB fixed advance rate which corresponded to the lease term for each transaction. This methodology is expected to be used for any other subsequent lease agreements. The weighted average discount rate for the leases at December 31, 2021 was 3.24%.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company’s operating lease costs for the years ended December 31, 2021 and 2020, as a result of the transactions discussed above, was $528 thousand and $552 thousand, respectively.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company’s other operating leases were evaluated and determined to be immaterial to the financial statements. <span style="letter-spacing: -0.1pt">At December 31, 2021, future minimum rental commitments under the non-cancellable operating leases discussed above are as follows (dollars are in thousands):</span></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_880_eus-gaap--ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock_pn3n3_zjftP9ee7J53" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - LEASING ACTIVITIES (Details)"> <tr style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span id="xdx_8B1_zs4gQu6dWUmf" style="display: none">Schedule of future minimum rental commitments under the non-cancellable operating leases</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"> </td> <td id="xdx_49F_20211231_zGAjl5YrJ6O" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"> </td></tr> <tr id="xdx_40D_eus-gaap--OperatingLeasesFutureMinimumPaymentsNextRollingTwelveMonths_iI_pn3n3" style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="width: 192px; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">2022</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td style="width: 83px; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">441</span></td></tr> <tr id="xdx_40C_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInRollingYearTwo_iI_pn3n3" style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">2023</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">455</span></td></tr> <tr id="xdx_402_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInRollingYearThree_iI_pn3n3" style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">2024</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">455</span></td></tr> <tr id="xdx_408_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInRollingYearFour_iI_pn3n3" style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">2025</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">455</span></td></tr> <tr id="xdx_409_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInRollingYearFive_iI_pn3n3" style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">2026</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">455</span></td></tr> <tr id="xdx_407_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInRollingAfterYearFive_iI_pn3n3" style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Thereafter</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">2,698</span></td></tr> <tr id="xdx_409_ecustom--OperatingLeasesFutureMinimumPaymentsDueBeforeImputedInterest_iI_pn3n3_zmI7qd6zkkF" style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Total lease payments</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">4,959</span></td></tr> <tr id="xdx_406_eus-gaap--ReceivableWithImputedInterestNetAmount_iI_pn3n3" style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Less imputed interest</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">897</span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_405_eus-gaap--OperatingLeasesFutureMinimumPaymentsDue_iI_pn3n3_zkf170edv1i9" style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Total</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td style="border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">4,062</span></td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify; text-indent: 0in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <table cellpadding="0" cellspacing="0" id="xdx_880_eus-gaap--ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock_pn3n3_zjftP9ee7J53" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - LEASING ACTIVITIES (Details)"> <tr style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span id="xdx_8B1_zs4gQu6dWUmf" style="display: none">Schedule of future minimum rental commitments under the non-cancellable operating leases</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"> </td> <td id="xdx_49F_20211231_zGAjl5YrJ6O" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"> </td></tr> <tr id="xdx_40D_eus-gaap--OperatingLeasesFutureMinimumPaymentsNextRollingTwelveMonths_iI_pn3n3" style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="width: 192px; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">2022</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td style="width: 83px; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">441</span></td></tr> <tr id="xdx_40C_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInRollingYearTwo_iI_pn3n3" style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">2023</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">455</span></td></tr> <tr id="xdx_402_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInRollingYearThree_iI_pn3n3" style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">2024</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">455</span></td></tr> <tr id="xdx_408_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInRollingYearFour_iI_pn3n3" style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">2025</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">455</span></td></tr> <tr id="xdx_409_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInRollingYearFive_iI_pn3n3" style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">2026</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">455</span></td></tr> <tr id="xdx_407_eus-gaap--OperatingLeasesFutureMinimumPaymentsDueInRollingAfterYearFive_iI_pn3n3" style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Thereafter</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">2,698</span></td></tr> <tr id="xdx_409_ecustom--OperatingLeasesFutureMinimumPaymentsDueBeforeImputedInterest_iI_pn3n3_zmI7qd6zkkF" style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Total lease payments</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">4,959</span></td></tr> <tr id="xdx_406_eus-gaap--ReceivableWithImputedInterestNetAmount_iI_pn3n3" style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Less imputed interest</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">897</span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr id="xdx_405_eus-gaap--OperatingLeasesFutureMinimumPaymentsDue_iI_pn3n3_zkf170edv1i9" style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Total</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td style="border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">4,062</span></td></tr> </table> 441000 455000 455000 455000 455000 2698000 897000 4062000 1020000 5000000 11341000 5155000 8000 2466000 11341000 5155000 18970000 0.0251 0.0136 0.0281 0.0197 0.0239 0.0272 0.0189 0.0246 5000000 5000000 11341000 5155000 2555000 2445000 11341000 5155000 21496000 0.0136 0.0136 0.0355 0.0270 0.0284 0.0134 0.0284 0.0201 0.0229 2027000 16496000 <p id="xdx_80C_eus-gaap--FinancialInstrumentsDisclosureTextBlock_zZi4TXIeNFHd" style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>NOTE 19 <span id="xdx_821_zNmRQGrL7COf">FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK</span></b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">In the normal course of business, the Bank has outstanding commitments and contingent liabilities, such as commitments to extend credit and standby letters of credit, which are not included in the accompanying consolidated financial statements. The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual or notional amount of those instruments. The Bank uses the same credit policies in making such commitments as it does for instruments that are included in the balance sheet.</span></p> <p style="font: 11pt/10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Financial instruments whose contract amount represents credit risk at December 31, 2021 and 2020 were as follows:</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_889_eus-gaap--SchedulesOfConcentrationOfRiskByRiskFactorTextBlock_pn3n3_zcTq5kAF6GB4" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"><span id="xdx_8B5_zr1DQ0ICMN4" style="display: none">Schedule of financial instruments with credit risk</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-style: italic; text-align: justify; padding-left: 5.4pt">(Dollars in thousands)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 56%; text-align: justify; padding-left: 5.4pt">Commitments to extend credit</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FairValueDisclosureOffbalanceSheetRisksAmountAsset_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CommitmentsToExtendCreditMember_pn3n3" style="width: 12%; text-align: right" title="Financial instruments with off-balance sheet risk">69,015</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--FairValueDisclosureOffbalanceSheetRisksAmountAsset_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--StandbyLettersOfCreditMember_pn3n3" style="width: 12%; text-align: right" title="Financial instruments with off-balance sheet risk">57,334</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">Standby letters of credit</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FairValueDisclosureOffbalanceSheetRisksAmountAsset_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--StandbyLettersOfCreditMember_pn3n3" style="text-align: right" title="Financial instruments with off-balance sheet risk">3,684</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FairValueDisclosureOffbalanceSheetRisksAmountAsset_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CommitmentsToExtendCreditMember_pn3n3" style="text-align: right" title="Financial instruments with off-balance sheet risk">2,031</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Commitments to extend credit are agreements to lend to a customer at either a fixed or variable interest rate as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation. Collateral held varies but may include accounts receivable, inventory, property and equipment, and income-producing commercial properties.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Standby letters of credit generally have fixed expiration dates or other termination clauses and may require payment of a fee. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Bank’s policy for obtaining collateral, and the nature of such collateral, is essentially the same as that involved in making commitments to extend credit.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <table cellpadding="0" cellspacing="0" id="xdx_889_eus-gaap--SchedulesOfConcentrationOfRiskByRiskFactorTextBlock_pn3n3_zcTq5kAF6GB4" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"><span id="xdx_8B5_zr1DQ0ICMN4" style="display: none">Schedule of financial instruments with credit risk</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-style: italic; text-align: justify; padding-left: 5.4pt">(Dollars in thousands)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 56%; text-align: justify; padding-left: 5.4pt">Commitments to extend credit</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_98E_eus-gaap--FairValueDisclosureOffbalanceSheetRisksAmountAsset_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--CommitmentsToExtendCreditMember_pn3n3" style="width: 12%; text-align: right" title="Financial instruments with off-balance sheet risk">69,015</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td id="xdx_984_eus-gaap--FairValueDisclosureOffbalanceSheetRisksAmountAsset_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--StandbyLettersOfCreditMember_pn3n3" style="width: 12%; text-align: right" title="Financial instruments with off-balance sheet risk">57,334</td><td style="width: 1%; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">Standby letters of credit</td><td> </td> <td style="text-align: left"> </td><td id="xdx_987_eus-gaap--FairValueDisclosureOffbalanceSheetRisksAmountAsset_c20211231__us-gaap--FinancialInstrumentAxis__us-gaap--StandbyLettersOfCreditMember_pn3n3" style="text-align: right" title="Financial instruments with off-balance sheet risk">3,684</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_980_eus-gaap--FairValueDisclosureOffbalanceSheetRisksAmountAsset_c20201231__us-gaap--FinancialInstrumentAxis__us-gaap--CommitmentsToExtendCreditMember_pn3n3" style="text-align: right" title="Financial instruments with off-balance sheet risk">2,031</td><td style="text-align: left"> </td></tr> </table> 69015000 57334000 3684000 2031000 <p id="xdx_80D_eus-gaap--RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_zvspI8pqYOgk" style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>NOTE 21 <span id="xdx_82A_zYYvrKKmjAwa">CAPITAL</span></b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b><span style="text-decoration: underline">Capital Requirements and Ratios</span></b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company meets eligibility criteria of a small bank holding company in accordance with the Board of Governors of the Federal Reserve System’s Small Bank Holding Company Policy Statement issued in February 2015, and is no longer obligated to report consolidated regulatory capital.</span></p> <p style="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Bank is subject to various capital requirements administered by federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and, possibly, additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.</span></p> <p style="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier 1 capital to risk-weighted assets, Tier 1 capital to average assets, and Common Equity Tier 1 capital to risk-weighted assets. As of December 31, 2021, the Bank meets all capital adequacy requirements to which it is subject.</span></p> <p style="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Bank’s actual capital amounts and ratios are presented in the following table as of December 31, 2021 and 2020, respectively.</span></p> <table cellpadding="0" cellspacing="0" id="xdx_883_eus-gaap--ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_pn3n3_zrQys81g0Twj" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - CAPITAL (Details)"> <tr style="background-color: White"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.7pt"><span id="xdx_8B0_zzU2rEF1xdS4" style="display: none">Schedule of capital requirements</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"> </td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"> </td></tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual</span></td> <td colspan="3" style="vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Minimum Capital Requirement</span></span></td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions</span></td></tr> <tr> <td style="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></td> <td colspan="2" style="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amount</span></td> <td style="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ratio</span></td> <td style="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amount</span></td> <td style="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ratio</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amount</span></td> <td style="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ratio</span></td></tr> <tr> <td colspan="9" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>December 31, 2021:</b></span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="width: 38%; padding-top: 0.75pt; padding-right: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total Capital to Risk Weighted Assets</span></td> <td style="width: 1%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_98C_eus-gaap--RiskWeightedAssets_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="width: 9%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Total Capital to Risk Weighted Assets, Actual, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">85,890</span></td> <td style="width: 9%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_909_eus-gaap--CapitalToRiskWeightedAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zymu0wQ63Bme" title="Total Capital to Risk Weighted Assets, Actual, Ratio">16.23</span>%</span></td> <td style="width: 13%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$<span id="xdx_902_eus-gaap--CapitalRequiredForCapitalAdequacy_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" title="Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount"> 42,332</span></span></td> <td style="width: 12%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">  <span id="xdx_90A_eus-gaap--CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zKeNu90j9rIb" title="Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio">8.0</span>%</span></td> <td style="width: 1%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_986_eus-gaap--CapitalRequiredToBeWellCapitalized_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="width: 10%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,915</span></td> <td style="width: 7%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_904_eus-gaap--CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zVsBQ0U5R5Rk" title="Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio">10.0</span>%</span></td></tr> <tr style="background-color: White"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.7pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tier 1 Capital to Risk Weighted Assets</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_988_eus-gaap--TierOneRiskBasedCapital_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital Risk Weighted Assets, Actual, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">79,274</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_909_eus-gaap--TierOneRiskBasedCapitalToRiskWeightedAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zAAXhYTd0UHh" title="Tier 1 Capital Risk Weighted Assets, Actual, Ratio">14.98</span>%</span></td> <td id="xdx_986_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacy_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">31,749</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">  <span id="xdx_90E_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zCLR2ct0xCR9" title="Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Ratio">6.0</span>%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_eus-gaap--TierOneRiskBasedCapitalRequiredToBeWellCapitalized_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">42,332</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_900_eus-gaap--TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zVjJi2JCkG97" title="Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio">8.0</span>%</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.7pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tier 1 Capital to Average Assets</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_986_eus-gaap--TierOneLeverageCapital_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital to Average Assets, Actual, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">79,274</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_906_eus-gaap--TierOneLeverageCapitalToAverageAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zXhL0DSnXIgf" title="Tier 1 Capital to Average Assets, Actual, Ratio">9.86</span>%</span></td> <td id="xdx_980_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacy_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital to Average Assets, Minimum Capital Requirement, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">32,145</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_902_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zvPy7Rxq0WV8" title="Tier 1 Capital to Average Assets, Minimum Capital Requirement, Ratio">4.0</span>%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_eus-gaap--TierOneLeverageCapitalRequiredToBeWellCapitalized_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">40,181</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_900_eus-gaap--TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zdQNGSd5xQph" title="Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio">5.0</span>%</span></td></tr> <tr style="background-color: White"> <td colspan="9" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common Equity Tier 1 Capital</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.7pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      to Risk Weighted Assets</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98A_eus-gaap--CommonEquityTierOneCapital_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">79,274</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_906_eus-gaap--CommonEquityTierOneCapitalRatio_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_z3SMqR17OBA7" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Ratio">14.98</span>%</span></td> <td id="xdx_98F_eus-gaap--CommonEquityTierOneCapitalRequiredForCapitalAdequacy_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">23,812</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_904_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_z4lr6vcNSxY6" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio">4.5</span>%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_988_eus-gaap--CommonEquityTierOneCapitalRequiredToBeWellCapitalized_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">34,395</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90B_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zlDhkqwFlfCe" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio">6.5</span>%</span></td></tr> <tr style="background-color: White"> <td colspan="9" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>December 31, 2020:</b></span></p></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.7pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total Capital to Risk Weighted Assets</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_98F_eus-gaap--RiskWeightedAssets_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Total Capital to Risk Weighted Assets, Actual, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">77,133</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90B_eus-gaap--CapitalToRiskWeightedAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zt3b44CUF1xd" title="Total Capital to Risk Weighted Assets, Actual, Ratio">16.41</span>%</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$ <span id="xdx_901_eus-gaap--CapitalRequiredForCapitalAdequacy_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" title="Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount">37,603</span></span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">  <span id="xdx_904_eus-gaap--CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zfrKRBQC6mMg" title="Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio">8.0</span>%</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_981_eus-gaap--CapitalRequiredToBeWellCapitalized_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">47,028</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_906_eus-gaap--CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_z8c5Sfpnp2a3" title="Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio">10.0</span>%</span></td></tr> <tr style="background-color: White"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.7pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tier 1 Capital to Risk Weighted Assets</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_989_eus-gaap--TierOneRiskBasedCapital_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital Risk Weighted Assets, Actual, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">71,241</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90D_eus-gaap--TierOneRiskBasedCapitalToRiskWeightedAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zv2TuGdOR3w" title="Tier 1 Capital Risk Weighted Assets, Actual, Ratio">15.16</span>%</span></td> <td id="xdx_981_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacy_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">28,202</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">  <span id="xdx_908_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zwcxAf7BhMbf" title="Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Ratio">6.0</span>%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_eus-gaap--TierOneRiskBasedCapitalRequiredToBeWellCapitalized_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">37,603</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_900_eus-gaap--TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zOuNtqG31sS8" title="Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio">8.0</span>%</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.7pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tier 1 Capital to Average Assets</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_981_eus-gaap--TierOneLeverageCapital_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital to Average Assets, Actual, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">71,241</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_904_eus-gaap--TierOneLeverageCapitalToAverageAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zpbxNnARsXIi" title="Tier 1 Capital to Average Assets, Actual, Ratio">9.49</span>%</span></td> <td id="xdx_981_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacy_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital to Average Assets, Minimum Capital Requirement, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">29,989</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_900_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zNo6ZtssgQd7" title="Tier 1 Capital to Average Assets, Minimum Capital Requirement, Ratio">4.0</span>%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_eus-gaap--TierOneLeverageCapitalRequiredToBeWellCapitalized_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">37,545</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_901_eus-gaap--TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_za0pnxCAjy8b" title="Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio">5.0</span>%</span></td></tr> <tr style="background-color: White"> <td colspan="9" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common Equity Tier 1 Capital</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.7pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      to Risk Weighted Assets</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98B_eus-gaap--CommonEquityTierOneCapital_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">71,241</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90D_eus-gaap--CommonEquityTierOneCapitalRatio_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zVwlzm9lzw63" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Ratio">15.16</span>%</span></td> <td id="xdx_98C_eus-gaap--CommonEquityTierOneCapitalRequiredForCapitalAdequacy_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">30,036</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90A_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zT8EfinlO112" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio">4.5</span>%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_eus-gaap--CommonEquityTierOneCapitalRequiredToBeWellCapitalized_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">30,552</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_909_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zb1ObbNGjtj1" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio">6.5</span>%</span></td></tr> </table> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accordingly, as of December 31, 2021 and 2020, the Bank was well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since such dates that management believes have changed the Bank’s category.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Bank is also subject to the rules implementing the Basel III capital framework and certain related provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. The final rules require the Bank to comply with the following minimum capital ratios: (i) a Common Equity Tier 1 capital to risk-weighted assets ratio of at least 4.5%, plus a 2.5% “capital conservation buffer” (effectively resulting in a minimum Common Equity Tier 1 capital to risk-weighted assets ratio of 7%), (ii) a ratio of Tier 1 capital to risk-weighted assets of at least 6.0%, plus the 2.5% capital conservation buffer (effectively resulting in a minimum Tier 1 capital ratio of 8.5%), (iii) a ratio of total capital to risk-weighted assets of at least, 8.0%, plus the 2.5% capital conservation buffer (effectively resulting in a minimum total capital ratio of 10.5%), and (iv) a leverage ratio of 4%, calculated as the ratio of Tier 1 capital to average assets. The Bank’s capital conservation buffer was 8.23% at December 31, 2021. The capital conservation buffer is designed to absorb losses during periods of economic stress. Banking institutions with a Common Equity Tier 1 capital to risk-weighted assets ratio above the minimum but below the conservation buffer face constraints on dividends, equity repurchases, and compensation based on the amount of the shortfall. As of both December 31, 2021 and 2020, the Common Equity Tier 1 Capital to Risk-weighted Assets ratio, the Tier 1 Capital to Risk-weighted Assets ratio, the Total Capital to Risk-weighted Assets ratio, and the Tier 1 Capital to Average Assets ratio of the Bank, all exceeded the minimum requirements.</span></p> <table cellpadding="0" cellspacing="0" id="xdx_883_eus-gaap--ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_pn3n3_zrQys81g0Twj" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - CAPITAL (Details)"> <tr style="background-color: White"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.7pt"><span id="xdx_8B0_zzU2rEF1xdS4" style="display: none">Schedule of capital requirements</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"> </td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"> </td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"> </td></tr> <tr> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Actual</span></td> <td colspan="3" style="vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="text-decoration: underline">Minimum Capital Requirement</span></span></td> <td colspan="2" style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions</span></td></tr> <tr> <td style="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></td> <td colspan="2" style="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amount</span></td> <td style="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ratio</span></td> <td style="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amount</span></td> <td style="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ratio</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amount</span></td> <td style="border-bottom: Black 1pt solid; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Ratio</span></td></tr> <tr> <td colspan="9" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>December 31, 2021:</b></span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="width: 38%; padding-top: 0.75pt; padding-right: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total Capital to Risk Weighted Assets</span></td> <td style="width: 1%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_98C_eus-gaap--RiskWeightedAssets_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="width: 9%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Total Capital to Risk Weighted Assets, Actual, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">85,890</span></td> <td style="width: 9%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_909_eus-gaap--CapitalToRiskWeightedAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zymu0wQ63Bme" title="Total Capital to Risk Weighted Assets, Actual, Ratio">16.23</span>%</span></td> <td style="width: 13%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$<span id="xdx_902_eus-gaap--CapitalRequiredForCapitalAdequacy_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" title="Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount"> 42,332</span></span></td> <td style="width: 12%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">  <span id="xdx_90A_eus-gaap--CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zKeNu90j9rIb" title="Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio">8.0</span>%</span></td> <td style="width: 1%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_986_eus-gaap--CapitalRequiredToBeWellCapitalized_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="width: 10%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">52,915</span></td> <td style="width: 7%; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_904_eus-gaap--CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zVsBQ0U5R5Rk" title="Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio">10.0</span>%</span></td></tr> <tr style="background-color: White"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.7pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tier 1 Capital to Risk Weighted Assets</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_988_eus-gaap--TierOneRiskBasedCapital_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital Risk Weighted Assets, Actual, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">79,274</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_909_eus-gaap--TierOneRiskBasedCapitalToRiskWeightedAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zAAXhYTd0UHh" title="Tier 1 Capital Risk Weighted Assets, Actual, Ratio">14.98</span>%</span></td> <td id="xdx_986_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacy_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">31,749</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">  <span id="xdx_90E_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zCLR2ct0xCR9" title="Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Ratio">6.0</span>%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_eus-gaap--TierOneRiskBasedCapitalRequiredToBeWellCapitalized_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">42,332</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_900_eus-gaap--TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zVjJi2JCkG97" title="Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio">8.0</span>%</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.7pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tier 1 Capital to Average Assets</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_986_eus-gaap--TierOneLeverageCapital_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital to Average Assets, Actual, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">79,274</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_906_eus-gaap--TierOneLeverageCapitalToAverageAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zXhL0DSnXIgf" title="Tier 1 Capital to Average Assets, Actual, Ratio">9.86</span>%</span></td> <td id="xdx_980_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacy_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital to Average Assets, Minimum Capital Requirement, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">32,145</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_902_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zvPy7Rxq0WV8" title="Tier 1 Capital to Average Assets, Minimum Capital Requirement, Ratio">4.0</span>%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_eus-gaap--TierOneLeverageCapitalRequiredToBeWellCapitalized_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">40,181</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_900_eus-gaap--TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zdQNGSd5xQph" title="Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio">5.0</span>%</span></td></tr> <tr style="background-color: White"> <td colspan="9" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common Equity Tier 1 Capital</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.7pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      to Risk Weighted Assets</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98A_eus-gaap--CommonEquityTierOneCapital_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">79,274</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_906_eus-gaap--CommonEquityTierOneCapitalRatio_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_z3SMqR17OBA7" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Ratio">14.98</span>%</span></td> <td id="xdx_98F_eus-gaap--CommonEquityTierOneCapitalRequiredForCapitalAdequacy_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">23,812</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_904_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_z4lr6vcNSxY6" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio">4.5</span>%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_988_eus-gaap--CommonEquityTierOneCapitalRequiredToBeWellCapitalized_c20211231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">34,395</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90B_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum_iI_pip0_dp_c20211231__dei--LegalEntityAxis__custom--BankMember_zlDhkqwFlfCe" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio">6.5</span>%</span></td></tr> <tr style="background-color: White"> <td colspan="9" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b>December 31, 2020:</b></span></p></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.7pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total Capital to Risk Weighted Assets</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_98F_eus-gaap--RiskWeightedAssets_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Total Capital to Risk Weighted Assets, Actual, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">77,133</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90B_eus-gaap--CapitalToRiskWeightedAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zt3b44CUF1xd" title="Total Capital to Risk Weighted Assets, Actual, Ratio">16.41</span>%</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$ <span id="xdx_901_eus-gaap--CapitalRequiredForCapitalAdequacy_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" title="Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount">37,603</span></span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">  <span id="xdx_904_eus-gaap--CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zfrKRBQC6mMg" title="Total Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio">8.0</span>%</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_981_eus-gaap--CapitalRequiredToBeWellCapitalized_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">47,028</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_906_eus-gaap--CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_z8c5Sfpnp2a3" title="Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio">10.0</span>%</span></td></tr> <tr style="background-color: White"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.7pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tier 1 Capital to Risk Weighted Assets</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_989_eus-gaap--TierOneRiskBasedCapital_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital Risk Weighted Assets, Actual, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">71,241</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90D_eus-gaap--TierOneRiskBasedCapitalToRiskWeightedAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zv2TuGdOR3w" title="Tier 1 Capital Risk Weighted Assets, Actual, Ratio">15.16</span>%</span></td> <td id="xdx_981_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacy_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">28,202</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">  <span id="xdx_908_eus-gaap--TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zwcxAf7BhMbf" title="Tier 1 Capital Risk Weighted Assets, Minimum Capital Requirement, Ratio">6.0</span>%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_eus-gaap--TierOneRiskBasedCapitalRequiredToBeWellCapitalized_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">37,603</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_900_eus-gaap--TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zOuNtqG31sS8" title="Tier 1 Capital Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio">8.0</span>%</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.7pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tier 1 Capital to Average Assets</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_981_eus-gaap--TierOneLeverageCapital_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital to Average Assets, Actual, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">71,241</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_904_eus-gaap--TierOneLeverageCapitalToAverageAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zpbxNnARsXIi" title="Tier 1 Capital to Average Assets, Actual, Ratio">9.49</span>%</span></td> <td id="xdx_981_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacy_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital to Average Assets, Minimum Capital Requirement, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">29,989</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_900_eus-gaap--TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zNo6ZtssgQd7" title="Tier 1 Capital to Average Assets, Minimum Capital Requirement, Ratio">4.0</span>%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_eus-gaap--TierOneLeverageCapitalRequiredToBeWellCapitalized_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">37,545</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_901_eus-gaap--TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_za0pnxCAjy8b" title="Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio">5.0</span>%</span></td></tr> <tr style="background-color: White"> <td colspan="9" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common Equity Tier 1 Capital</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.7pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">      to Risk Weighted Assets</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98B_eus-gaap--CommonEquityTierOneCapital_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">71,241</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90D_eus-gaap--CommonEquityTierOneCapitalRatio_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zVwlzm9lzw63" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Actual, Ratio">15.16</span>%</span></td> <td id="xdx_98C_eus-gaap--CommonEquityTierOneCapitalRequiredForCapitalAdequacy_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">30,036</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90A_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zT8EfinlO112" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum Capital Requirement, Ratio">4.5</span>%</span></td> <td style="white-space: nowrap; vertical-align: bottom; padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_eus-gaap--CommonEquityTierOneCapitalRequiredToBeWellCapitalized_c20201231__dei--LegalEntityAxis__custom--BankMember_pn3n3" style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Amount"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">30,552</span></td> <td style="padding-top: 0.75pt; padding-right: 0.75pt; padding-left: 0.75pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_909_eus-gaap--BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum_iI_pip0_dp_c20201231__dei--LegalEntityAxis__custom--BankMember_zb1ObbNGjtj1" title="Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions, Ratio">6.5</span>%</span></td></tr> </table> 85890000 0.1623 42332000 0.080 52915000 0.100 79274000 0.1498 31749000 0.060 42332000 0.080 79274000 0.0986 32145000 0.040 40181000 0.050 79274000 0.1498 23812000 0.045 34395000 0.065 77133000 0.1641 37603000 0.080 47028000 0.100 71241000 0.1516 28202000 0.060 37603000 0.080 71241000 0.0949 29989000 0.040 37545000 0.050 71241000 0.1516 30036000 0.045 30552000 0.065 <p id="xdx_802_eus-gaap--FairValueDisclosuresTextBlock_zG5y6ezWUra6" style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b>NOTE 22 <span id="xdx_82E_zobsjIROyNgi">FAIR VALUES</span></b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The Company established a hierarchal disclosure framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined by this hierarchy are:</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level 1: Quoted prices are available in active markets for identical assets or liabilities as of the reported date.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level 2: Pricing inputs are other than quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities include items for which quoted prices are available but traded less frequently, and items that are valued using other financial instruments, the parameters of which can be directly observed.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Level 3: Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">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 are as follows:</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>Investment Securities Available for Sale </i>- Investment securities available for sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices. The Company’s available for sale securities, totaling $107.4 million and $48.4 million at December 31, 2021 and 2020, respectively, are the only assets whose fair values are measured on a recurring basis using Level 2 inputs from an independent pricing service.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>Loans - </i>The Company does not record loans at fair value on a recurring basis. Real estate serves as collateral on a substantial majority of the Company’s loans. When a loan is considered impaired, a specific reserve may be established. Loans, which are deemed to be impaired and require a reserve, are primarily valued on a non-recurring basis at the fair value of the underlying real estate collateral. Where there is no observable market price, such fair values are obtained using independent appraisals, which management evaluates to determine whether or not the fair value of the collateral is further impaired below the appraised value and adjusts for estimated costs of disposition. The Company records impaired loans as nonrecurring Level 3 assets. The aggregate amount of impaired loans carried at fair value was $2.8 million and $4.0 million at December 31, 2021 and 2020, respectively.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>Other Real Estate Owned <b>–</b></i>Other real estate owned is adjusted to fair value upon transfer of the loans, or former bank premises, to other real estate owned.  These assets are carried at the lower of their carrying value or fair value.  Fair value is based upon observable market prices, when available, reduced by estimated disposition costs, which the Company considers to be nonrecurring Level 2 inputs. When observable market prices are not available, management determines the fair value of the foreclosed asset using independent third-party appraisals, evaluated to determine whether or not the property is further impaired below the appraised value, and adjusts for estimated costs of disposition. The Company records foreclosed assets as nonrecurring Level 3. The aggregate carrying amounts of foreclosed assets were $1.4 million and $3.3 million at December 31, 2021 and 2020, respectively.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assets and liabilities measured at fair value are as follows as of December 31, 2021 (for purpose of this table the impaired loans are shown net of the related allowance):</span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_894_eus-gaap--FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_pn3n3_zQv8vmW04q74" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - FAIR VALUES (Details)"> <tr style="vertical-align: top"> <td style="width: 42%; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> <span id="xdx_8BD_zSab3a6G4K62" style="display: none">Schedule of summary of assets and liabilities measured at fair value</span></span></td> <td style="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 15%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 18%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 16%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></p></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Quoted market price in active markets</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 1)</span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant other observable inputs</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 2)</span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant unobservable inputs</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 3)</span></p></td></tr> <tr> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(On a recurring basis)</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available for sale investments</span></p></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    U.S. Treasuries</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__custom--USTreasuriesMember_zjgCFEpn6Yc1" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2708">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__custom--USTreasuriesMember_zOtQ33aRL2Ai" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,671</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: White"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    U.S. Government Agencies</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_z2ru85msFxs9" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2710">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_zPgMrVRlBmhk" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,089</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--InvestmentTypeAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_zXfT0v0SOmgl" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2712">-</span></span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    Taxable municipals</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__custom--TaxableMunicipalsMember_zMNmRax41ZNi" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2713">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__custom--TaxableMunicipalsMember_zCLABOn8Jmea" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">22,980</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--InvestmentTypeAxis__custom--TaxableMunicipalsMember_ztiMmdE7SRG6" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2715">-</span></span></td></tr> <tr style="background-color: White"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    Corporate bonds</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__us-gaap--CorporateBondSecuritiesMember_z9LDYZLL9NX7" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2716">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__us-gaap--CorporateBondSecuritiesMember_zfzu8X7qv7Il" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,019</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--InvestmentTypeAxis__us-gaap--CorporateBondSecuritiesMember_zKzLkw3fd5Cd" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2718">-</span></span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    Mortgage backed securities</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__us-gaap--MortgageBackedSecuritiesMember_zFSYcmQ4vQSk" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2719">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__us-gaap--MortgageBackedSecuritiesMember_zOV3HxH6tJQ2" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">65,599</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--InvestmentTypeAxis__us-gaap--MortgageBackedSecuritiesMember_zZcSZtEsUSj3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2721">-</span></span></td></tr> <tr style="background-color: White"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(On a non-recurring basis)</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other real estate owned</span></p></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98B_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherRealEstateOwnedMember_zncr7Y4rDJT9" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_982_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherRealEstateOwnedMember_zUaKyBbO0Wji" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98B_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherRealEstateOwnedMember_zVH23Sx8ATu5" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,361</span></td></tr> <tr style="background-color: White"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Impaired loans:</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  Real estate secured:</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Commercial</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zAhyEhujVLFd" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_z7RGQe3ft6Wg" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_ztdzVLb0S5z" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">414</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Construction and land development</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_985_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember_zqJDloMxjVDc" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember_z1kboexROoh4" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember_zZYBoGzFEPT" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Residential 1-4 family</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_985_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember_z7rvkf6SjhZ8" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember_zxcm1bRXWcOg" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98B_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember_zc9cNbFvFPmg" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,848</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Multifamily</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_986_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember_z4wVUHQD5vEa" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember_zupdH3tkwX9a" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember_z2WUr3yu3scj" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Farmland</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember_zcTzkhA9xZoh" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember_zVJkgIDlLvoi" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98A_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember_zmDR890pHHn7" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">517</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  Commercial</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_983_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zG118eOvmrLk" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zQQJwrirTH0l" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98B_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zfnFKQlo8Qjj" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  Agriculture</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_981_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_zn3iAe2iW4Ig" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_z4yoW3ysASP8" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_985_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_z3kuByFlomPe" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  Consumer installment loans</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ConsumerInstallmentLoansMember_zAFYXiluMqGd" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ConsumerInstallmentLoansMember_zym8GhwffWLl" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_981_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ConsumerInstallmentLoansMember_zklbsR5VXhs2" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</span></td></tr> <tr style="background-color: White"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  All other loans</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_zsuLZh1zeOSa" style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_z6Fi322iWaVc" style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_zCeG8v58teI7" style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_985_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_z3iukga9x56" style="border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_985_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zhjQ4Uc3VXmh" style="border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">107,358</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_984_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zPp1rZxAGJv7" style="border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,194</span></td></tr> </table> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assets and liabilities measured at fair value are as follows as of December 31, 2020 (for purpose of this table the impaired loans are shown net of the related allowance):</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; width: 43%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 14%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 18%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Quoted market price in active markets</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 1)</span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant other observable inputs</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 2)</span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant unobservable inputs</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 3)</span></p></td></tr> <tr> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(On a recurring basis)</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available for sale investments</span></p></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    U.S. Government Agencies</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_zI3bAXe46Tod" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2755">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Available for sale investments"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,107</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--InvestmentTypeAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_zVNtQJznfpL7" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2758">-</span></span></td></tr> <tr style="background-color: White"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    Taxable municipals</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__custom--TaxableMunicipalsMember_zBKAMBzNy3N1" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2759">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__custom--TaxableMunicipalsMember_pn3n3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Available for sale investments"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,345</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--InvestmentTypeAxis__custom--TaxableMunicipalsMember_zBBXpjE02KBe" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2762">-</span></span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    Corporate bonds</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__us-gaap--CorporateBondSecuritiesMember_z8cJvRbEmd36" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2763">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__us-gaap--CorporateBondSecuritiesMember_pn3n3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Available for sale investments"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,048</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--InvestmentTypeAxis__us-gaap--CorporateBondSecuritiesMember_z8YYGoZBvcgg" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2766">-</span></span></td></tr> <tr style="background-color: White"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    Mortgage backed securities</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__us-gaap--MortgageBackedSecuritiesMember_z7f7T5qRQfab" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2767">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Available for sale investments"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">22,906</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--InvestmentTypeAxis__us-gaap--MortgageBackedSecuritiesMember_zYwrmOAZJmC5" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2770">-</span></span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: White"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(On a non-recurring basis)</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other real estate owned</span></p></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_989_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherRealEstateOwnedMember_zy1MBQSUDcx6" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98A_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherRealEstateOwnedMember_zSj5JDrNlyEf" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_982_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherRealEstateOwnedMember_z4uKoHmuLZz9" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,334</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Impaired loans:</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  Real estate secured:</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Commercial</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zjJtVY7WoYoe" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zq2cMqhiFpka" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_z3PP0pcK1SJh" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,377</span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Construction and land development</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember_zO6dPsTSfiY6" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_981_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember_zBJQjYQzBKK5" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_988_ecustom--ImpairedLoans_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember_pn3n3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">99</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Residential 1-4 family</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember_zc7mnmsIhK29" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember_zpDpNtpOrDOe" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98C_ecustom--ImpairedLoans_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember_pn3n3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,927</span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Multifamily</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_983_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember_zVk4JO2yJgwf" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_983_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember_ziz1hrun0OBg" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember_pdn3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Farmland</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98C_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember_zzabww08Ejt8" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_985_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember_zcsVmM5H0qog" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_ecustom--ImpairedLoans_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember_pn3n3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">597</span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  Commercial</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zoW2sBhmfqCj" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_985_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zShu1O5qUrW7" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98A_ecustom--ImpairedLoans_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_pn3n3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  Agriculture</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98C_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_zoBiwh9YLIC2" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98B_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_zdV0Lb62m6Sj" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_zp2Fl52Asqej" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  Consumer installment loans</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ConsumerInstallmentLoansMember_zFpTvgkDX5Md" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_983_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ConsumerInstallmentLoansMember_zRyfl9CyamYk" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ConsumerInstallmentLoansMember_z1Eb3yqvWI2" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  All other loans</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_zGVsG8dpAKRl" style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_zShZn2HDgRQ5" style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_981_ecustom--ImpairedLoans_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pdn3" style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_98F_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zsRgPUPRBin2" style="border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_986_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zj2HktHLXjAl" style="border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">48,406</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_98A_ecustom--ImpairedLoans_c20200101__20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,364</span></td></tr> </table> <p id="xdx_8A2_zZUYyviaGtcg" style="font: 10pt Times New Roman, Times, Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font: normal 10pt Times New Roman, Times, Serif">For Level 3 assets measured at fair value on a recurring or non-recurring basis as of December 31, 2021 and 2020, the significant unobservable inputs used in the fair value measurements were as follows:</span></p> <table cellpadding="0" cellspacing="0" id="xdx_895_eus-gaap--FairValueAssetsMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_pn3n3_zyKuNZbzPisd" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - FAIR VALUES (Details 1)"> <tr style="vertical-align: top"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; width: 16%"><span id="xdx_8B7_zZBmOJFBaOo" style="display: none">Schedule of significant unobservable inputs In level 3 assets</span><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 11%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 12%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 15%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 23%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 13%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top"> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars in thousands)</i></span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair Value at December 31,</span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2021</span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair Value at</span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31,</span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Valuation Technique</span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant Unobservable Inputs</span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">General Range of Significant Unobservable Input Values</span></p></td></tr> <tr style="vertical-align: top"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Impaired Loans</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_980_ecustom--FairValueAtDecember312016_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ImpairedLoansMember_pn3n3" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> 2,667</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_981_ecustom--FairValueAtDecember312016_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ImpairedLoansMember_pn3n3" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Fair Value"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> 4,030</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_ecustom--FairValueMeasurementsValuationProcessesDescriptions_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ImpairedLoansMember_zuFD7YnnHji7" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center" title="Valuation Technique"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Appraised Value/Discounted Cash Flows/Market Value of Note</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--FairValueMeasurementsSignificantAssumptions1_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ImpairedLoansMember" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center" title="Significant Unobservable Inputs"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90F_ecustom--FairValueMeasurementsSignificantUnobservableInputValue_iI_pip0_dp_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ImpairedLoansMember__srt--RangeAxis__srt--MinimumMember_zagyFP5HNWZa" title="General Range of Significant Unobservable Input Values">0</span> – <span id="xdx_902_ecustom--FairValueMeasurementsSignificantUnobservableInputValue_iI_pip0_dp_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OtherRealEstateOwnedMember__srt--RangeAxis__srt--MaximumMember_znGazsGPWM57" title="General Range of Significant Unobservable Input Values">18</span>%</span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Real Estate Owned</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_98D_ecustom--FairValueAtDecember312016_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OtherRealEstateOwnedMember_pn3n3" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Fair Value"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,361</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_98E_ecustom--FairValueAtDecember312016_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OtherRealEstateOwnedMember_pn3n3" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Fair Value"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,334</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_ecustom--FairValueMeasurementsValuationProcessesDescriptions_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OtherRealEstateOwnedMember_zo8YY107JNvd" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center" title="Valuation Technique"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Appraised Value/Comparable Sales/Other Estimates from Independent Sources</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_982_ecustom--FairValueMeasurementsSignificantAssumptions1_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OtherRealEstateOwnedMember" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center" title="Significant Unobservable Inputs"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Discounts to reflect current market conditions and estimated costs to sell</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_907_ecustom--FairValueMeasurementsSignificantUnobservableInputValue_iI_pip0_dp_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OtherRealEstateOwnedMember__srt--RangeAxis__srt--MinimumMember_ziT9MWGf5ZW8" title="General Range of Significant Unobservable Input Values">0</span> – <span id="xdx_903_ecustom--FairValueMeasurementsSignificantUnobservableInputValue_iI_pip0_dp_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ImpairedLoansMember__srt--RangeAxis__srt--MaximumMember_zK7ZlCJVuFi" title="General Range of Significant Unobservable Input Values">18</span>%</span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p> <p id="xdx_8A4_zlC07FKvdUQ5" style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p> <p style="font: 10pt/107% Arial, Helvetica, Sans-Serif; margin: 0 0 8pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b><span style="text-decoration: underline">Fair Value of Financial Instruments</span></b></span> </p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">The carrying amount and fair value of the Company’s financial instruments that are not required to be measured or reported at fair value on a recurring basis are as follows:</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_89E_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_pn3n3_zDv5h3HYZL0g" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - FAIR VALUES (Details 2)"> <tr style="vertical-align: top; background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> <span id="xdx_8B4_zloU93iIE8Ie" style="display: none">Schedule of estimated fair value of financial instruments</span></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="5" style="border-bottom: Black 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Fair Value Measurements</span></td></tr> <tr style="vertical-align: top"> <td style="border-bottom: Black 1pt solid; width: 31%; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><i> </i></span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><i> </i></span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><i> </i></span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><i> </i></span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><i> </i></span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><i>(Dollars are in thousands)</i></span></p></td> <td style="font: 11pt Times New Roman, Times, Serif; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Carrying</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Amount</span></p></td> <td style="font: 11pt Times New Roman, Times, Serif; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Fair</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Value</span></p></td> <td style="font: 11pt Times New Roman, Times, Serif; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; width: 10%; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Quoted market price in active markets</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 1)</span></p></td> <td style="border-top: Black 1pt solid; font: 11pt Times New Roman, Times, Serif; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; width: 10%; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant other observable inputs</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 2)</span></p></td> <td style="border-top: Black 1pt solid; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; width: 12%; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant unobservable inputs</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 3)</span></p></td></tr> <tr style="vertical-align: top"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b>December 31, 2021</b></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Financial Instruments – Assets</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">   Net Loans</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_iI_pn3n3_c20211231__us-gaap--AwardTypeAxis__custom--CarryingReportedAmountFairsValueDisclosureMember_zswMPWFsbYy2" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">587,009</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_iI_pn3n3_c20211231__us-gaap--AwardTypeAxis__custom--EstimateOfFairValueFairValuesDisclosureMember_zbSCNszS2uZ5" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">580,024</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2847">-</span></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">577,357</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">2,667</span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Financial Instruments – Liabilities</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">   Time Deposits</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_eus-gaap--TimeDeposits_iI_pn3n3_c20211231__us-gaap--AwardTypeAxis__custom--CarryingReportedAmountFairsValueDisclosureMember_ze4ToApA8kT" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">196,285</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98C_eus-gaap--TimeDeposits_iI_pn3n3_c20211231__us-gaap--AwardTypeAxis__custom--EstimateOfFairValueFairValuesDisclosureMember_zsfm8LAAbE1j" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">198,353</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_981_eus-gaap--TimeDeposits_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2857">-</span></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_986_eus-gaap--TimeDeposits_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">198,353</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_eus-gaap--TimeDeposits_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2861">-</span></span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">   Borrowed Funds</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_eus-gaap--FederalHomeLoanBankAdvances_iI_pn3n3_c20211231__us-gaap--AwardTypeAxis__custom--CarryingReportedAmountFairsValueDisclosureMember_znD8FgsOgml" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">16,496</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_eus-gaap--FederalHomeLoanBankAdvances_iI_pn3n3_c20211231__us-gaap--AwardTypeAxis__custom--EstimateOfFairValueFairValuesDisclosureMember_zgsVJQPSDFe5" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">15,649</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_eus-gaap--FederalHomeLoanBankAdvances_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2867">-</span></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_eus-gaap--FederalHomeLoanBankAdvances_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">15,649</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_eus-gaap--FederalHomeLoanBankAdvances_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2871">-</span></span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b>December 31, 2020</b></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Financial Instruments – Assets</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">   Net Loans</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_iI_pn3n3_c20201231__us-gaap--AwardTypeAxis__custom--CarryingReportedAmountFairsValueDisclosureMember_zGPHEIoi4vH6" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">568,375</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_iI_pn3n3_c20201231__us-gaap--AwardTypeAxis__custom--EstimateOfFairValueFairValuesDisclosureMember_z9vTY9osuo14" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">564,664</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2877">-</span></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">560,634</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">4,030</span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Financial Instruments – Liabilities</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">   Time Deposits</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_eus-gaap--TimeDeposits_iI_pn3n3_c20201231__us-gaap--AwardTypeAxis__custom--CarryingReportedAmountFairsValueDisclosureMember_zOMO4ekmHaG1" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">234,449</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_986_eus-gaap--TimeDeposits_iI_pn3n3_c20201231__us-gaap--AwardTypeAxis__custom--EstimateOfFairValueFairValuesDisclosureMember_zGufkdEeVne" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">237,768</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_eus-gaap--TimeDeposits_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2887">-</span></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_981_eus-gaap--TimeDeposits_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">237,768</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_989_eus-gaap--TimeDeposits_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pdn3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2891">-</span></span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">   Borrowed Funds</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_eus-gaap--FederalHomeLoanBankAdvances_iI_pn3n3_c20201231__us-gaap--AwardTypeAxis__custom--CarryingReportedAmountFairsValueDisclosureMember_z6ZNVvYfRMe7" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">21,496</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_985_eus-gaap--FederalHomeLoanBankAdvances_iI_pn3n3_c20201231__us-gaap--AwardTypeAxis__custom--EstimateOfFairValueFairValuesDisclosureMember_zqq0i5S56aWe" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">16,788</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_eus-gaap--FederalHomeLoanBankAdvances_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2897">-</span></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_eus-gaap--FederalHomeLoanBankAdvances_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">16,788</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_eus-gaap--FederalHomeLoanBankAdvances_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pdn3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2901">-</span></span></td></tr> </table> <p id="xdx_8AB_z3dUXQCl4T16" style="font: 10pt Times New Roman, Times, Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument.  These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument.  Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions can significantly affect the estimates.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Estimated fair values have been determined by the Company using historical data, as generally provided in the Company’s regulatory reports, and an estimation methodology suitable for each category of financial instruments. The Company’s fair value estimates, methods and assumptions are set forth below for the Company’s other financial instruments.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">The carrying value of cash and due from banks, federal funds sold, interest-bearing deposits, deposits with no stated maturities and accrued interest approximates fair value and is excluded from the table above.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">The methods utilized to measure the fair value of financial instruments represent an approximation of exit price; however, an actual exit price may differ.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_894_eus-gaap--FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_pn3n3_zQv8vmW04q74" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - FAIR VALUES (Details)"> <tr style="vertical-align: top"> <td style="width: 42%; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> <span id="xdx_8BD_zSab3a6G4K62" style="display: none">Schedule of summary of assets and liabilities measured at fair value</span></span></td> <td style="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 15%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 18%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="width: 16%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></p></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Quoted market price in active markets</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 1)</span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant other observable inputs</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 2)</span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant unobservable inputs</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 3)</span></p></td></tr> <tr> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(On a recurring basis)</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available for sale investments</span></p></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    U.S. Treasuries</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__custom--USTreasuriesMember_zjgCFEpn6Yc1" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2708">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__custom--USTreasuriesMember_zOtQ33aRL2Ai" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,671</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: White"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    U.S. Government Agencies</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_z2ru85msFxs9" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2710">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_zPgMrVRlBmhk" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">9,089</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--InvestmentTypeAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_zXfT0v0SOmgl" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2712">-</span></span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    Taxable municipals</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__custom--TaxableMunicipalsMember_zMNmRax41ZNi" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2713">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98A_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__custom--TaxableMunicipalsMember_zCLABOn8Jmea" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">22,980</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--InvestmentTypeAxis__custom--TaxableMunicipalsMember_ztiMmdE7SRG6" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2715">-</span></span></td></tr> <tr style="background-color: White"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    Corporate bonds</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__us-gaap--CorporateBondSecuritiesMember_z9LDYZLL9NX7" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2716">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__us-gaap--CorporateBondSecuritiesMember_zfzu8X7qv7Il" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2,019</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--InvestmentTypeAxis__us-gaap--CorporateBondSecuritiesMember_zKzLkw3fd5Cd" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2718">-</span></span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    Mortgage backed securities</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__us-gaap--MortgageBackedSecuritiesMember_zFSYcmQ4vQSk" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2719">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_986_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__us-gaap--MortgageBackedSecuritiesMember_zOV3HxH6tJQ2" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">65,599</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--InvestmentTypeAxis__us-gaap--MortgageBackedSecuritiesMember_zZcSZtEsUSj3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2721">-</span></span></td></tr> <tr style="background-color: White"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(On a non-recurring basis)</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other real estate owned</span></p></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98B_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherRealEstateOwnedMember_zncr7Y4rDJT9" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_982_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherRealEstateOwnedMember_zUaKyBbO0Wji" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98B_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherRealEstateOwnedMember_zVH23Sx8ATu5" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,361</span></td></tr> <tr style="background-color: White"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Impaired loans:</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  Real estate secured:</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Commercial</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zAhyEhujVLFd" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_z7RGQe3ft6Wg" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_ztdzVLb0S5z" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">414</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Construction and land development</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_985_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember_zqJDloMxjVDc" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember_z1kboexROoh4" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember_zZYBoGzFEPT" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Residential 1-4 family</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_985_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember_z7rvkf6SjhZ8" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember_zxcm1bRXWcOg" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98B_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember_zc9cNbFvFPmg" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,848</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Multifamily</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_986_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember_z4wVUHQD5vEa" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember_zupdH3tkwX9a" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember_z2WUr3yu3scj" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Farmland</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember_zcTzkhA9xZoh" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember_zVJkgIDlLvoi" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98A_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember_zmDR890pHHn7" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">517</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  Commercial</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_983_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zG118eOvmrLk" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zQQJwrirTH0l" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98B_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zfnFKQlo8Qjj" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  Agriculture</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_981_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_zn3iAe2iW4Ig" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_z4yoW3ysASP8" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_985_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_z3kuByFlomPe" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  Consumer installment loans</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ConsumerInstallmentLoansMember_zAFYXiluMqGd" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ConsumerInstallmentLoansMember_zym8GhwffWLl" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_981_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ConsumerInstallmentLoansMember_zklbsR5VXhs2" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</span></td></tr> <tr style="background-color: White"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  All other loans</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_zsuLZh1zeOSa" style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_z6Fi322iWaVc" style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_ecustom--ImpairedLoans_pdn3_c20210101__20211231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_zCeG8v58teI7" style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_985_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_z3iukga9x56" style="border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_985_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zhjQ4Uc3VXmh" style="border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">107,358</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_984_ecustom--ImpairedLoans_pn3n3_c20210101__20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_zPp1rZxAGJv7" style="border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">4,194</span></td></tr> </table> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"/></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assets and liabilities measured at fair value are as follows as of December 31, 2020 (for purpose of this table the impaired loans are shown net of the related allowance):</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; width: 43%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 14%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 18%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right; width: 3%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 16%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars are in thousands)</i></span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Quoted market price in active markets</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 1)</span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant other observable inputs</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 2)</span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant unobservable inputs</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 3)</span></p></td></tr> <tr> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(On a recurring basis)</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available for sale investments</span></p></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    U.S. Government Agencies</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_982_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_zI3bAXe46Tod" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2755">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_pn3n3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Available for sale investments"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">14,107</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--InvestmentTypeAxis__us-gaap--USGovernmentAgenciesDebtSecuritiesMember_zVNtQJznfpL7" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2758">-</span></span></td></tr> <tr style="background-color: White"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    Taxable municipals</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__custom--TaxableMunicipalsMember_zBKAMBzNy3N1" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2759">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_983_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__custom--TaxableMunicipalsMember_pn3n3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Available for sale investments"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">5,345</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--InvestmentTypeAxis__custom--TaxableMunicipalsMember_zBBXpjE02KBe" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2762">-</span></span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    Corporate bonds</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_989_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__us-gaap--CorporateBondSecuritiesMember_z8cJvRbEmd36" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2763">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_985_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__us-gaap--CorporateBondSecuritiesMember_pn3n3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Available for sale investments"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">6,048</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--InvestmentTypeAxis__us-gaap--CorporateBondSecuritiesMember_z8YYGoZBvcgg" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2766">-</span></span></td></tr> <tr style="background-color: White"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">    Mortgage backed securities</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98B_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--InvestmentTypeAxis__us-gaap--MortgageBackedSecuritiesMember_z7f7T5qRQfab" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2767">-</span></span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--InvestmentTypeAxis__us-gaap--MortgageBackedSecuritiesMember_pn3n3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Available for sale investments"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">22,906</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_eus-gaap--AvailableForSaleSecuritiesGrossRealizedGainLossNet_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsRecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--InvestmentTypeAxis__us-gaap--MortgageBackedSecuritiesMember_zYwrmOAZJmC5" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span style="-sec-ix-hidden: xdx2ixbrl2770">-</span></span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: White"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(On a non-recurring basis)</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other real estate owned</span></p></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_989_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherRealEstateOwnedMember_zy1MBQSUDcx6" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98A_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherRealEstateOwnedMember_zSj5JDrNlyEf" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_982_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--OtherRealEstateOwnedMember_z4uKoHmuLZz9" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,334</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Impaired loans:</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  Real estate secured:</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Commercial</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zjJtVY7WoYoe" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zq2cMqhiFpka" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_z3PP0pcK1SJh" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,377</span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Construction and land development</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember_zO6dPsTSfiY6" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_981_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember_zBJQjYQzBKK5" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_988_ecustom--ImpairedLoans_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--RealEstateInvestmentMember_pn3n3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">99</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Residential 1-4 family</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember_zc7mnmsIhK29" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember_zpDpNtpOrDOe" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98C_ecustom--ImpairedLoans_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ResidentialRealEstateMember_pn3n3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,927</span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Multifamily</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_983_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember_zVk4JO2yJgwf" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_983_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember_ziz1hrun0OBg" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__srt--MultifamilyMember_pdn3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">      Farmland</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98C_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember_zzabww08Ejt8" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_985_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember_zcsVmM5H0qog" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_ecustom--ImpairedLoans_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__us-gaap--RealEstateMember__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--FarmlandMember_pn3n3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">597</span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  Commercial</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zoW2sBhmfqCj" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_985_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_zShu1O5qUrW7" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98A_ecustom--ImpairedLoans_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--CommercialRealEstateMember_pn3n3" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  Agriculture</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98C_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_zoBiwh9YLIC2" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98B_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_zdV0Lb62m6Sj" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--AgricultureMember_zp2Fl52Asqej" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td></tr> <tr style="background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  Consumer installment loans</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ConsumerInstallmentLoansMember_zFpTvgkDX5Md" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_983_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ConsumerInstallmentLoansMember_zRyfl9CyamYk" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__custom--ConsumerInstallmentLoansMember_z1Eb3yqvWI2" style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">5</span></td></tr> <tr style="background-color: rgb(204,238,255)"> <td style="vertical-align: top; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">  All other loans</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_zGVsG8dpAKRl" style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_ecustom--ImpairedLoans_pdn3_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_zShZn2HDgRQ5" style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_981_ecustom--ImpairedLoans_c20200101__20201231__us-gaap--FairValueByMeasurementFrequencyAxis__us-gaap--FairValueMeasurementsNonrecurringMember__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member__us-gaap--AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis__us-gaap--ConsumerLoanMember_pdn3" style="border-bottom: Black 1pt solid; vertical-align: bottom; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Total</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_98F_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_zsRgPUPRBin2" style="border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">-</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_986_ecustom--ImpairedLoans_pn3n3_c20200101__20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_zj2HktHLXjAl" style="border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">48,406</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_98A_ecustom--ImpairedLoans_c20200101__20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="border-bottom: Black 1.5pt double; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Impaired loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">7,364</span></td></tr> </table> 7671000 9089000 22980000 2019000 65599000 14107000 5345000 6048000 22906000 <table cellpadding="0" cellspacing="0" id="xdx_895_eus-gaap--FairValueAssetsMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_pn3n3_zyKuNZbzPisd" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - FAIR VALUES (Details 1)"> <tr style="vertical-align: top"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; width: 16%"><span id="xdx_8B7_zZBmOJFBaOo" style="display: none">Schedule of significant unobservable inputs In level 3 assets</span><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 11%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 12%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 15%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 23%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 2%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center; width: 13%"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top"> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i> </i></span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars in thousands)</i></span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair Value at December 31,</span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2021</span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fair Value at</span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31,</span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">2020</span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Valuation Technique</span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant Unobservable Inputs</span></p></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">General Range of Significant Unobservable Input Values</span></p></td></tr> <tr style="vertical-align: top"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Impaired Loans</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_980_ecustom--FairValueAtDecember312016_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ImpairedLoansMember_pn3n3" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> 2,667</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_981_ecustom--FairValueAtDecember312016_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ImpairedLoansMember_pn3n3" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Fair Value"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> 4,030</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_ecustom--FairValueMeasurementsValuationProcessesDescriptions_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ImpairedLoansMember_zuFD7YnnHji7" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center" title="Valuation Technique"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Appraised Value/Discounted Cash Flows/Market Value of Note</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_ecustom--FairValueMeasurementsSignificantAssumptions1_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ImpairedLoansMember" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center" title="Significant Unobservable Inputs"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_90F_ecustom--FairValueMeasurementsSignificantUnobservableInputValue_iI_pip0_dp_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ImpairedLoansMember__srt--RangeAxis__srt--MinimumMember_zagyFP5HNWZa" title="General Range of Significant Unobservable Input Values">0</span> – <span id="xdx_902_ecustom--FairValueMeasurementsSignificantUnobservableInputValue_iI_pip0_dp_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OtherRealEstateOwnedMember__srt--RangeAxis__srt--MaximumMember_znGazsGPWM57" title="General Range of Significant Unobservable Input Values">18</span>%</span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other Real Estate Owned</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_98D_ecustom--FairValueAtDecember312016_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OtherRealEstateOwnedMember_pn3n3" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Fair Value"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">1,361</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">$</span></td> <td id="xdx_98E_ecustom--FairValueAtDecember312016_c20201231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OtherRealEstateOwnedMember_pn3n3" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Fair Value"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">3,334</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_ecustom--FairValueMeasurementsValuationProcessesDescriptions_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OtherRealEstateOwnedMember_zo8YY107JNvd" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center" title="Valuation Technique"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Appraised Value/Comparable Sales/Other Estimates from Independent Sources</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_982_ecustom--FairValueMeasurementsSignificantAssumptions1_c20210101__20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OtherRealEstateOwnedMember" style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center" title="Significant Unobservable Inputs"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Discounts to reflect current market conditions and estimated costs to sell</span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><span id="xdx_907_ecustom--FairValueMeasurementsSignificantUnobservableInputValue_iI_pip0_dp_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--OtherRealEstateOwnedMember__srt--RangeAxis__srt--MinimumMember_ziT9MWGf5ZW8" title="General Range of Significant Unobservable Input Values">0</span> – <span id="xdx_903_ecustom--FairValueMeasurementsSignificantUnobservableInputValue_iI_pip0_dp_c20211231__us-gaap--FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis__custom--ImpairedLoansMember__srt--RangeAxis__srt--MaximumMember_zK7ZlCJVuFi" title="General Range of Significant Unobservable Input Values">18</span>%</span></td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p> <table cellpadding="0" cellspacing="0" id="xdx_89E_eus-gaap--FairValueByBalanceSheetGroupingTextBlock_pn3n3_zDv5h3HYZL0g" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse" summary="xdx: Disclosure - FAIR VALUES (Details 2)"> <tr style="vertical-align: top; background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> <span id="xdx_8B4_zloU93iIE8Ie" style="display: none">Schedule of estimated fair value of financial instruments</span></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td colspan="5" style="border-bottom: Black 1pt solid; font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Fair Value Measurements</span></td></tr> <tr style="vertical-align: top"> <td style="border-bottom: Black 1pt solid; width: 31%; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><i> </i></span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><i> </i></span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><i> </i></span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><i> </i></span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><i> </i></span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><i>(Dollars are in thousands)</i></span></p></td> <td style="font: 11pt Times New Roman, Times, Serif; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Carrying</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Amount</span></p></td> <td style="font: 11pt Times New Roman, Times, Serif; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; width: 11%; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Fair</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Value</span></p></td> <td style="font: 11pt Times New Roman, Times, Serif; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-bottom: Black 1pt solid; width: 10%; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Quoted market price in active markets</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 1)</span></p></td> <td style="border-top: Black 1pt solid; font: 11pt Times New Roman, Times, Serif; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; width: 10%; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant other observable inputs</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 2)</span></p></td> <td style="border-top: Black 1pt solid; width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; width: 12%; padding-right: 5.4pt; padding-left: 5.4pt"><p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Significant unobservable inputs</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">(Level 3)</span></p></td></tr> <tr style="vertical-align: top"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b>December 31, 2021</b></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Financial Instruments – Assets</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">   Net Loans</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_98A_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_iI_pn3n3_c20211231__us-gaap--AwardTypeAxis__custom--CarryingReportedAmountFairsValueDisclosureMember_zswMPWFsbYy2" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">587,009</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_986_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_iI_pn3n3_c20211231__us-gaap--AwardTypeAxis__custom--EstimateOfFairValueFairValuesDisclosureMember_zbSCNszS2uZ5" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">580,024</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2847">-</span></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">577,357</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_98D_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">2,667</span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Financial Instruments – Liabilities</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">   Time Deposits</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_eus-gaap--TimeDeposits_iI_pn3n3_c20211231__us-gaap--AwardTypeAxis__custom--CarryingReportedAmountFairsValueDisclosureMember_ze4ToApA8kT" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">196,285</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98C_eus-gaap--TimeDeposits_iI_pn3n3_c20211231__us-gaap--AwardTypeAxis__custom--EstimateOfFairValueFairValuesDisclosureMember_zsfm8LAAbE1j" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">198,353</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_981_eus-gaap--TimeDeposits_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2857">-</span></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_986_eus-gaap--TimeDeposits_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">198,353</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_eus-gaap--TimeDeposits_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2861">-</span></span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">   Borrowed Funds</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_987_eus-gaap--FederalHomeLoanBankAdvances_iI_pn3n3_c20211231__us-gaap--AwardTypeAxis__custom--CarryingReportedAmountFairsValueDisclosureMember_znD8FgsOgml" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">16,496</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_eus-gaap--FederalHomeLoanBankAdvances_iI_pn3n3_c20211231__us-gaap--AwardTypeAxis__custom--EstimateOfFairValueFairValuesDisclosureMember_zgsVJQPSDFe5" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">15,649</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_eus-gaap--FederalHomeLoanBankAdvances_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2867">-</span></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98E_eus-gaap--FederalHomeLoanBankAdvances_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">15,649</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_eus-gaap--FederalHomeLoanBankAdvances_c20211231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2871">-</span></span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b>December 31, 2020</b></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Financial Instruments – Assets</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">   Net Loans</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_982_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_iI_pn3n3_c20201231__us-gaap--AwardTypeAxis__custom--CarryingReportedAmountFairsValueDisclosureMember_zGPHEIoi4vH6" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">568,375</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_985_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_iI_pn3n3_c20201231__us-gaap--AwardTypeAxis__custom--EstimateOfFairValueFairValuesDisclosureMember_z9vTY9osuo14" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">564,664</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_988_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2877">-</span></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_98F_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">560,634</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">$</span></td> <td id="xdx_98E_eus-gaap--LoansAndLeasesReceivableNetReportedAmount_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Net Loans"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">4,030</span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Financial Instruments – Liabilities</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td></tr> <tr style="vertical-align: top; background-color: White"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">   Time Deposits</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_eus-gaap--TimeDeposits_iI_pn3n3_c20201231__us-gaap--AwardTypeAxis__custom--CarryingReportedAmountFairsValueDisclosureMember_zOMO4ekmHaG1" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">234,449</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_986_eus-gaap--TimeDeposits_iI_pn3n3_c20201231__us-gaap--AwardTypeAxis__custom--EstimateOfFairValueFairValuesDisclosureMember_zGufkdEeVne" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">237,768</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_eus-gaap--TimeDeposits_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2887">-</span></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_981_eus-gaap--TimeDeposits_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">237,768</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_989_eus-gaap--TimeDeposits_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pdn3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="Time deposits"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2891">-</span></span></td></tr> <tr style="vertical-align: top; background-color: rgb(204,238,255)"> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">   Borrowed Funds</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98D_eus-gaap--FederalHomeLoanBankAdvances_iI_pn3n3_c20201231__us-gaap--AwardTypeAxis__custom--CarryingReportedAmountFairsValueDisclosureMember_z6ZNVvYfRMe7" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">21,496</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_985_eus-gaap--FederalHomeLoanBankAdvances_iI_pn3n3_c20201231__us-gaap--AwardTypeAxis__custom--EstimateOfFairValueFairValuesDisclosureMember_zqq0i5S56aWe" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">16,788</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_980_eus-gaap--FederalHomeLoanBankAdvances_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel1Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2897">-</span></span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_98F_eus-gaap--FederalHomeLoanBankAdvances_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel2Member_pn3n3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">16,788</span></td> <td style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></td> <td id="xdx_984_eus-gaap--FederalHomeLoanBankAdvances_c20201231__us-gaap--FairValueByFairValueHierarchyLevelAxis__us-gaap--FairValueInputsLevel3Member_pdn3" style="font: 11pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: right" title="FHLB advances"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><span style="-sec-ix-hidden: xdx2ixbrl2901">-</span></span></td></tr> </table> 587009000 580024000 577357000 2667000 196285000 198353000 198353000 16496000 15649000 15649000 568375000 564664000 560634000 4030000 234449000 237768000 237768000 21496000 16788000 16788000 <p id="xdx_80E_eus-gaap--RevenueFromContractWithCustomerTextBlock_zxNMdKlxTP9" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b>NOTE 23 <span id="xdx_82C_zEt8Ojbxw6fb">REVENUE FROM CONTRACTS WITH CUSTOMERS</span></b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">All of our revenue from contracts with customers as defined in ASC 606 is recognized within Noninterest Income. The following table presents Noninterest Income by revenue stream for the years ended December 31, 2021 and 2020.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_88D_ecustom--ScheduleOfRevenueFromContractsWithCustomers_pn3n3_zFpd0frik5df" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - REVENUE FROM CONTRACTS WITH CUSTOMERS (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in"><span id="xdx_8BD_zQ6NWx2auA1h" style="display: none">Schedule of revenue from contracts with customers</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49A_20210101__20211231_z1b2i99N7LJj" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_498_20200101__20201231_z3WlamUPCmKk" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr id="xdx_408_eus-gaap--RevenueFromContractWithCustomerIncludingAssessedTax_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 56%; text-align: left; padding-left: 0.2in">Service charges and fees</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">3,724</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">3,217</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--CardProcessingAndInterchangeIncome_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in">Card processing and interchange income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,871</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">3,314</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--InsuranceCommissionsAndFees_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 0.2in">Insurance and investment fees</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,029</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">716</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--SaleAndLeasebackTransactionGainLossNet_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 0.2in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Gains on sales of available-for-sale securities <sup id="xdx_F46_zEJStLb88uk8">(1)</sup></span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">322</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">4</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--NoninterestIncomeOther_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 0.2in">Other noninterest income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,034</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">896</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--NoninterestIncome_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 2.5pt; padding-left: 0.4in">Total Noninterest Income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">9,980</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">8,147</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 8pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <table border="0" cellpadding="0" cellspacing="0" style="font: 8pt Arial, Helvetica, Sans-Serif; width: 100%"> <tr style="vertical-align: top"> <td style="text-align: justify; padding-left: 10pt; text-indent: -10pt; width: 3pt"><span id="xdx_F01_z0gNGb9PodOk" style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">(1)</span></td> <td style="text-align: justify; padding-left: 10pt; text-indent: -10pt"><span id="xdx_F1D_zR1s1Pe7W8Zh" style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">– Not within the scope of ASU 2014-9</span></td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt">Certain revenues are earned from contracts with customers. These revenues are recognized when the promised services are rendered to the customer and reflects the entitled consideration received in exchange for those services. </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><i>Service charges and fees</i> – revenue is recognized on deposit services based on published fees for the services provided. These fees may be collected on a transaction basis, at the time the service is rendered or periodically based on the period over which the service is provided. Transaction based fees include services such as stop payment requests, paper statement rendering and ITM usage fees. Periodic fees include such charges as monthly account maintenance fees. Overdraft fees are realized at the time the overdraft occurs.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><i>Card processing and interchange fees</i> – Card related interchange revenue is primarily comprised of debit and credit card income. Debit and credit card income is earned when customers’ debit or credit cards are processed through a card payment network. Card related interchange income is recognized at the time the customer transactions settle.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><i>Insurance and investment fees</i> - Insurance and investment fee income consists of commissions received on annuity and investment product sales through a third-party service provider. Performance is generally satisfied at the time an annuity policy is issued, or at the execution of an investment transaction.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"/></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> 3724000 3217000 1029000 716000 322000 4000 1034000 896000 9980000 8147000 <table cellpadding="0" cellspacing="0" id="xdx_88C_eus-gaap--RedeemableNoncontrollingInterestTableTextBlock_pn3n3_z1LipaqB24bj" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - NONINTEREST EXPENSES (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><span id="xdx_8B5_zyCZVz57ELMl" style="display: none">Schedule of noninterest expenses</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49D_20210101__20211231_zYasW3Fz2fa" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20200101__20201231_zAjStOYMckwk" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="border-bottom: Black 1pt solid; font-style: italic">(Dollars are in thousands)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr id="xdx_40A_eus-gaap--AdvertisingExpense_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 56%; text-align: left; padding-left: 5.4pt"> Advertising, sponsorships and donations</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">252</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">216</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_408_ecustom--ATMNetworkExpense_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"> ATM network expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,473</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,476</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--LegalFees_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt"> Legal and professional fees</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">922</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">839</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--ProfessionalFees_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"> Consulting fees</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">269</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">504</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--LoanPortfolioExpense_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt"> Loan related expenses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">599</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">353</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--SuppliesExpense_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"> Printing and supplies</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">133</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">141</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--FederalDepositInsuranceCorporationPremiumExpense_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt"> FDIC insurance premiums</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">266</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">393</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_ecustom--NonIntrestOtherRealEstateOwnedNet_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"> Other real estate owned expenses, net</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">506</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">307</td><td style="text-align: left"> </td></tr> <tr id="xdx_40F_ecustom--OtherNoninterestExpenses_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt"> Other operating expenses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,556</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,507</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--OtherNoninterestExpense_pn3n3_zCNIR7qnJNT6" style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 2.5pt; padding-left: 5.4pt"> Total</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,976</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">6,736</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 252000 216000 922000 839000 269000 504000 599000 353000 133000 141000 266000 393000 6976000 6736000 <p id="xdx_80A_eus-gaap--SubsequentEventsTextBlock_zPbIdoaCJszk" style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b>NOTE 25 <span id="xdx_823_zhpTkZnHsuN">SUBSEQUENT EVENTS</span></b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Subsequent events are events or transactions that occur after the balance sheet date but before financial statements are issued. Recognized subsequent events are events or transactions that provide additional evidence about conditions that existed at the date of the balance sheet, including the estimates inherent in the process of preparing financial statements. Non-recognized subsequent events are events that provide evidence about conditions that did not exist at the date of the balance sheet but arose after that date. Management has reviewed events occurring through the date the financial statements were available to be issued and has identified the following as a non-recognized subsequent event.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">On February 28, 2022, the board of directors declared a dividend of $0.05 per share payable on March 31, 2022 to shareholders of record as of March 15, 2022.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">At this time, we cannot state how the continuing economic uncertainty related to the pandemic and current geopolitical conditions will affect the financial position, operations or liquidity of the Company.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"/></p> <p id="xdx_807_eus-gaap--NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_zrz1W1CUmedh" style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b>NOTE 26 <span id="xdx_821_z8zaMnVEdqZe">RECENT ACCOUNTING DEVELOPMENTS</span> </b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">The following is a summary of recent authoritative announcements:</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In June 2016, per ASU No. 2016-13, ‘Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments,’ the Financial Accounting Standards Board (the FASB) issued guidance to change the accounting for credit losses and modify the impairment model for certain debt securities. Subsequently, per ASU No. 2019-10, implementation for the Company is delayed until reporting periods beginning after December 15, 2022. Early adoption is permitted for all organizations for periods beginning after December 15, 2018. The Company is currently evaluating the effect that implementation of the new standard will have on its financial position, results of operations, and cash flows.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In May 2019, the FASB issued targeted transition relief for entities which irrevocably elect the fair value option for certain financial assets previously measured at amortized cost basis. For those entities, the amendments to the transition guidance for ASU 2016-13 will increase comparability of financial statement information by providing an option to align measurement methodologies for similar financial assets. Subsequently, per ASU No. 2019-10, implementation for the Company is delayed until reporting periods beginning after December 15, 2021. The Company is currently in the process of evaluating the impact of adoption of this guidance on its financial statements.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In November 2019, the FASB released ASU 2019-10, ‘Financial Instruments – Credit Losses (Topic 326), Derivatives and Hedging (Topic 815), and Leases (Topic 842),’ in which the FASB shared a new philosophy to extend and simplify how effective dates for certain major Updates would be staggered between larger public companies (bucket one) and all other entities (bucket two). A major Update would first be effective for bucket-one entities. For bucket-two entities, including the Company, it is anticipated that the FASB will consider requiring an effective date staggered at least two years after bucket one for major Updates. Generally, it is expected that early application would continue to be allowed for all entities. The Company is considered a bucket-two entity due to its eligibility to be a smaller reporting company, per the Securities and Exchange Commission (the SEC). This Update applies to ASU 2016-13, as discussed above, ASU 2017-12, which does not apply to the Company, and ASU 2016-02, which the Company has already early-adopted.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In December 2019, the FASB released ASU 2019-12, ‘Income Taxes (Topic 740),’ which simplify the accounting for income taxes by removing certain exceptions to the general principles in Topic 740, improve consistent application, and simplify GAAP for other areas of Topic 740. The amendments in this Update are effective for the Company for fiscal years beginning after December 15, 2021, and interim periods within fiscal years beginning after December 15, 2022. The Company does not expect these amendments to have a material effect on its financial statements.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In January 2020, the FASB released ASU 2020-01, ‘Investments – Equity Securities (Topic 321), Investments – Equity Method and Joint Ventures (Topic 323), and Derivatives and Hedging (Topic 815),’ which clarify certain interactions between the guidance to account for certain equity securities under Topic 321, 323 and 815, and improve current GAAP by reducing diversity in practice and increasing comparability of accounting. The amendments in this Update are effective for the Company for fiscal years beginning after December 31, 2021, and interim periods within those fiscal years. Early adoption is permitted. The Company does not expect these amendments to have a material effect on its financial statements.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In March 2020, the FASB released ASU 2020-03, ‘Codification Improvements to Financial Instruments,’ as part of its ongoing project for improving the Codification or correcting its unintended application. This Update is being issued to increase stakeholder awareness of these amendments. These amendments affect Fair Value Option Disclosures, Applicability of Portfolio Exception in Topic 820 to Nonfinancial Items, Disclosures for Depository and Lending Institutions, Cross-Reference to Line-of-Credit or Revolving-Debt Arrangements Guidance in Subtopic 470-50, Cross-Reference to Net Asset Value Practical Expedient in Subtopic 820-10, Interaction of Topic 842 and Topic 326, and Interaction of Topic 326 and Subtopic 860-20. The amendments in this update are effective immediately. The implementation of these amendments did not have a material effect on its financial statements.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In March 2020, the FASB released ASU 2020-04, ‘Reference Rate Reform (Topic 848), Facilitation of the Effects of Reference Rate Reform on Financial Reporting,’ which provides optional guidance for a limited period of time to ease the potential burden in accounting for (or recognizing the effects of) reference rate reform. The amendments in this Update are elective and apply to all entities, subject to meeting certain criteria, that have contracts, hedging relationships, and other transactions that reference the London Interbank Offering Rate (LIBOR) or another reference rate expected to be discontinued because of reference rate reform. The amendments in the Update are effective for the Company as of March 12, 2020 through December 31, 2022. The Company is working through implementation of this guidance, but does not expect this amendment to have a material impact on its financial statements.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In August 2020, the FASB released ASU 2020-06, ‘Accounting for Convertible Instruments and Contracts in an Entity’s Own Equity,’ which reduces the number of accounting models for convertible debt instruments and convertible preferred stock. The Board concluded that eliminating certain accounting models simplifies the accounting for convertible instruments, reduces complexity for preparers and practitioners, and improves the decision usefulness and relevance of the information provided to financial statement users. The amendments in this Update are effective for the Company for fiscal years beginning after December 15, 2021, including interim periods within those fiscal years. The implementation of these amendments did not have a material effect on its financial statements.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In January 2021, the FASB released ASU 2021-01, ‘Reference Rate Reform (Topic 848),’ which clarifies that certain optional expedients and exceptions in topic 848 for contract modifications and hedge accounting apply to derivatives that are affected by the discounting transition related to reference rate reform. The amendments in this Update are effective immediately for all entities. An entity may elect to apply the amendments in the Update on a full retrospective basis as of any date from the beginning of an interim period that includes or is subsequent to March 12, 2020, or on a prospective basis to new modifications from any date within an interim period that includes or is subsequent to the date of the issuance of a final Update, up to the date that financial statements are available to be issued. The Company does not expect this amendment to have a material effect on its financial statements.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In July 2021, the FASB released ASU 2021-05, ‘Lessors – Certain Leases with Variable Lease Payments (Topic 842),’ which amends the lease classification requirements for lessors to align them with practice under Topic 840. The amendments in this Update amend Topic 842 and are effective for the Company for fiscal years beginning after December 15, 2021, and for interim periods within fiscal years beginning after December 13, 2022. The Company may elect either (1) to retrospectively apply the amendments to leases that commenced or were modified on or after the adoption of Update 2016-02 or (2) prospectively to leases that commence or are modified on or after the date that the Company first applies the amendments. The Company does not expect this amendment to have a material effect on its financial statements.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">In August 2021, the FASB released ASU 2021-06, ‘Presentation of Financial Statements (Topic 205), Financial Services – Depository and Lending (Topic 942), and Financial Services – Investment Companies (Topic 946),’ which amends certain SEC paragraphs pursuant to SEC final rule releases No. 33-10786, <i>Amendments to Financial Disclosures about Acquired and Disposed Businesses</i>, and No. 33-10835, <i>Update of Statistical Disclosures for Bank and Savings and Loan Registrants</i>. These amendments become effective for fiscal years ending on or after December 15, 2021. The Company does not expect these amendments to have a material effect on its financial statements.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p id="xdx_80D_eus-gaap--CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_zhohgoUEqCFa" style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b>NOTE 27 </b></span><b><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.15pt"><span id="xdx_82F_zb3ZNE8u39M4">PARENT CORPORATION ONLY FINANCIAL STATEMENTS</span></span></b></p> <p style="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"> </span></p> <p style="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">CONDENSED BALANCE SHEETS</span></p> <p style="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">AS OF DECEMBER 31, 2021 AND 2020</span></p> <p style="font: 9pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars in Thousands)</i></span></p> <table cellpadding="0" cellspacing="0" id="xdx_89F_esrt--ScheduleOfCondensedBalanceSheetTableTextBlock_pn3n3_zNjSB0uXdeQc" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - PARENT CORPORATION ONLY FINANCIAL STATEMENTS (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"><span id="xdx_8B1_zcjG1pdBWHrc" style="display: none">Schedule of parent corporation only condensed balance sheets</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zomAqQwSTR2a" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zZH9piX6nk48" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: justify"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr id="xdx_40E_eus-gaap--AssetsAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: justify; padding-left: 5.4pt">ASSETS</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--CashAndDueFromBanks_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="width: 56%; text-align: justify; padding-left: 5.4pt">Due from banks</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">187</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">215</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">Investment in subsidiaries</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">78,460</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">72,990</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--OtherAssets_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Other assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,645</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,669</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--AssetsCurrent_iI_pn3n3_zsVxYigTNl1b" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Total Assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">80,292</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">74,874</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--LiabilitiesAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: justify; padding-left: 5.4pt">LIABILITIES</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--InterestPayableCurrentAndNoncurrent_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">Accrued interest payable</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">104</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">109</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">Accrued expenses and other liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">61</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">92</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--TrustPreferredSecurities_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Trust preferred securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">16,496</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">16,496</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--Liabilities_iI_pn3n3_z5XLF8nbiZni" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Total Liabilities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">16,661</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">16,697</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--LiabilitiesAndStockholdersEquityAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: justify; padding-left: 5.4pt">STOCKHOLDERS’ EQUITY</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--CommonStockValue_i01I_pn3n3_z3JNlbptCK22" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common stock - $2.00 par value, 50,000,000 shares authorized;</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">23,922,086 shares issued and outstanding at both</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2021 and 2020</span></p></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">47,844</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">47,844</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--AdditionalPaidInCapitalCommonStock_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">Additional paid capital</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">14,570</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">14,570</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--RetainedEarningsAccumulatedDeficit_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">Retained earnings (deficit)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,031</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(4,979</td><td style="text-align: left">)</td></tr> <tr id="xdx_40C_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Accumulated other comprehensive (loss) income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(814</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">742</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--StockholdersEquity_i01I_pn3n3_zSo0Gmclz4Kg" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Total Stockholders’ Equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">63,631</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">58,177</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--LiabilitiesAndStockholdersEquity_iI_pn3n3_zScWe69krlEh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Total Liabilities and Stockholders’ Equity</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">80,292</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">74,874</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b/></span></p> <p id="xdx_8A4_zsfrTZK23d8h" style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b>CONDENSED STATEMENTS OF INCOME </b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b>FOR THE YEARS ENDED DECEMBER 31, 2021 AND 2020</b></span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><i>(Dollars in thousands)</i></span></p> <table cellpadding="0" cellspacing="0" id="xdx_895_esrt--ScheduleOfCondensedIncomeStatementTableTextBlock_pn3n3_zIDwBrs3YET2" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - PARENT CORPORATION ONLY FINANCIAL STATEMENTS (Details 1)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><span id="xdx_8B4_zGPv4elNJHU2" style="display: none">Schedule of parent corporation only condensed statements of income</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49F_20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zSz03O4sZsm5" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zwPfqG4W0y3a" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="3" style="text-align: center"> </td><td> </td> <td colspan="3" style="text-align: center"> </td></tr> <tr id="xdx_406_eus-gaap--IncomeLossAttributableToParentAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 5.4pt">Income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_404_ecustom--MiscellaneousIncome_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="width: 56%; text-align: left; padding-left: 5.4pt">Miscellaneous income</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">13</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">16</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--CashDividendsPaidToParentCompanyByConsolidatedSubsidiaries_i01N_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Dividends from subsidiaries</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">430</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">610</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--UndistributedIncomeLossOfSubsidiaries_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Undistributed income of subsidiaries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">7,026</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,842</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--IncomeLossAttributableToParent_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Total income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">7,469</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,468</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--NoninterestExpenseAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 5.4pt">Expenses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--InterestExpenseTrustPreferredSecurities_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Trust preferred securities interest expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">420</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">541</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--ProfessionalFees_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Professional fees</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">99</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">114</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--OtherNoninterestExpense_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Other operating expenses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">58</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">19</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--NoninterestExpense_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Total Expenses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">577</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">674</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 5.4pt">Income before Income Taxes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,892</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,794</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--IncomeTaxExpenseBenefit_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Income Tax Benefit</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(118</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(96</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_406_eus-gaap--NetIncomeLoss_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Net Income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,010</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,890</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p id="xdx_8A8_ziWHkjq11p5d" style="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"> </p> <p style="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">CONDENSED STATEMENTS OF CASH FLOWS</span></p> <p style="font: bold 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">FOR THE YEARS ENDED DECEMBER 31, 2021 AND 2020</span></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><i>(Dollars in thousands)</i></span></p> <table cellpadding="0" cellspacing="0" id="xdx_89C_esrt--ScheduleOfCondensedCashFlowStatementTableTextBlock_pn3n3_znS5loHiHBmf" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - PARENT CORPORATION ONLY FINANCIAL STATEMENTS (Details 2)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><span id="xdx_8B4_zO73xIa7RNv3" style="display: none">Schedule of parent corporation only condensed statements of cash flows</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_z0qlmOXV2Duc" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zEL8naITzAl6" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="3" style="text-align: center"> </td><td> </td> <td colspan="3" style="text-align: right"> </td></tr> <tr id="xdx_40D_eus-gaap--NetCashProvidedByUsedInOperatingActivitiesAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 5.4pt">Cash Flows From Operating Activities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--NetIncomeLoss_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="width: 56%; text-align: left; padding-left: 5.4pt">Net income</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">7,010</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">2,890</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_i01B" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjustments to reconcile net income to net cash used in</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">operating activities:</span></p></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--IncomeLossFromSubsidiariesNetOfTax_i02N_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">     Equity in undistributed earnings of subsidiaries</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(6,580</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,842</td><td style="text-align: left">)</td></tr> <tr id="xdx_40D_eus-gaap--IncreaseDecreaseInOtherOperatingAssets_i02N_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">     Net (increase) decrease in other assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(422</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">67</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--IncreaseDecreaseInOtherOperatingLiabilities_i02_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">     Net decrease in other liabilities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(36</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(109</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_407_eus-gaap--NetCashProvidedByUsedInOperatingActivities_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Net cash (used in) provided by operating activities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(28</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">6</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_zLqYg7PJG6i4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 5.4pt">Net (decrease) increase in Cash and Cash Equivalents</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(28</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_iS_pn3n3_zyjLdreSfXDh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Cash and Cash Equivalents, Beginning of year</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">215</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">209</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_iE_pn3n3_z6JEzwES1X05" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Cash and Cash Equivalents, End of Year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">187</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">215</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--SupplementalCashFlowInformationAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Supplemental Disclosure of Cash Paid During the Year for:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--InterestPaidNet_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt">     Interest</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">425</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">614</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--IncomeTaxesPaidNet_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt">     Taxes</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3102">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(166</td><td style="text-align: left">)</td></tr> </table> <p id="xdx_8A2_zKb4oEVzvvK1" style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"> </span></p> <table cellpadding="0" cellspacing="0" id="xdx_89F_esrt--ScheduleOfCondensedBalanceSheetTableTextBlock_pn3n3_zNjSB0uXdeQc" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - PARENT CORPORATION ONLY FINANCIAL STATEMENTS (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"><span id="xdx_8B1_zcjG1pdBWHrc" style="display: none">Schedule of parent corporation only condensed balance sheets</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zomAqQwSTR2a" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_499_20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zZH9piX6nk48" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="text-align: justify"> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr id="xdx_40E_eus-gaap--AssetsAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: justify; padding-left: 5.4pt">ASSETS</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--CashAndDueFromBanks_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="width: 56%; text-align: justify; padding-left: 5.4pt">Due from banks</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">187</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">215</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">Investment in subsidiaries</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">78,460</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">72,990</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--OtherAssets_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Other assets</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,645</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">1,669</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--AssetsCurrent_iI_pn3n3_zsVxYigTNl1b" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Total Assets</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">80,292</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">74,874</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--LiabilitiesAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: justify; padding-left: 5.4pt">LIABILITIES</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--InterestPayableCurrentAndNoncurrent_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">Accrued interest payable</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">104</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">109</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">Accrued expenses and other liabilities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">61</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">92</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--TrustPreferredSecurities_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Trust preferred securities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">16,496</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">16,496</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--Liabilities_iI_pn3n3_z5XLF8nbiZni" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Total Liabilities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">16,661</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">16,697</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--LiabilitiesAndStockholdersEquityAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: justify; padding-left: 5.4pt">STOCKHOLDERS’ EQUITY</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--CommonStockValue_i01I_pn3n3_z3JNlbptCK22" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Common stock - $2.00 par value, 50,000,000 shares authorized;</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">23,922,086 shares issued and outstanding at both</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-indent: 0.25in"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">December 31, 2021 and 2020</span></p></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">47,844</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">47,844</td><td style="text-align: left"> </td></tr> <tr id="xdx_408_eus-gaap--AdditionalPaidInCapitalCommonStock_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">Additional paid capital</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">14,570</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">14,570</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--RetainedEarningsAccumulatedDeficit_i01I_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">Retained earnings (deficit)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,031</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(4,979</td><td style="text-align: left">)</td></tr> <tr id="xdx_40C_eus-gaap--AccumulatedOtherComprehensiveIncomeLossNetOfTax_i01I_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Accumulated other comprehensive (loss) income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(814</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">742</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--StockholdersEquity_i01I_pn3n3_zSo0Gmclz4Kg" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt">Total Stockholders’ Equity</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">63,631</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">58,177</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--LiabilitiesAndStockholdersEquity_iI_pn3n3_zScWe69krlEh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-bottom: 2.5pt; padding-left: 5.4pt">Total Liabilities and Stockholders’ Equity</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">80,292</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">74,874</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b/></span></p> 187000 215000 78460000 72990000 1645000 1669000 80292000 74874000 104000 109000 61000 92000 16661000 16697000 47844000 47844000 14570000 14570000 2031000 -4979000 -814000 742000 63631000 58177000 80292000 74874000 <table cellpadding="0" cellspacing="0" id="xdx_895_esrt--ScheduleOfCondensedIncomeStatementTableTextBlock_pn3n3_zIDwBrs3YET2" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - PARENT CORPORATION ONLY FINANCIAL STATEMENTS (Details 1)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><span id="xdx_8B4_zGPv4elNJHU2" style="display: none">Schedule of parent corporation only condensed statements of income</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49F_20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zSz03O4sZsm5" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zwPfqG4W0y3a" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="3" style="text-align: center"> </td><td> </td> <td colspan="3" style="text-align: center"> </td></tr> <tr id="xdx_406_eus-gaap--IncomeLossAttributableToParentAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 5.4pt">Income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_404_ecustom--MiscellaneousIncome_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="width: 56%; text-align: left; padding-left: 5.4pt">Miscellaneous income</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">13</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">16</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--CashDividendsPaidToParentCompanyByConsolidatedSubsidiaries_i01N_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Dividends from subsidiaries</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">430</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">610</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_ecustom--UndistributedIncomeLossOfSubsidiaries_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Undistributed income of subsidiaries</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">7,026</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">2,842</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--IncomeLossAttributableToParent_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Total income</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">7,469</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">3,468</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--NoninterestExpenseAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; padding-left: 5.4pt">Expenses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--InterestExpenseTrustPreferredSecurities_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Trust preferred securities interest expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">420</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">541</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--ProfessionalFees_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Professional fees</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">99</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">114</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--OtherNoninterestExpense_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Other operating expenses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">58</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">19</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--NoninterestExpense_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Total Expenses</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">577</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">674</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 5.4pt">Income before Income Taxes</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,892</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,794</td><td style="text-align: left"> </td></tr> <tr id="xdx_401_eus-gaap--IncomeTaxExpenseBenefit_i_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Income Tax Benefit</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(118</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(96</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_406_eus-gaap--NetIncomeLoss_i_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Net Income</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">7,010</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">2,890</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> </table> 430000 610000 7469000 3468000 420000 541000 99000 114000 58000 19000 577000 674000 6892000 2794000 -118000 -96000 7010000 2890000 <table cellpadding="0" cellspacing="0" id="xdx_89C_esrt--ScheduleOfCondensedCashFlowStatementTableTextBlock_pn3n3_znS5loHiHBmf" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - PARENT CORPORATION ONLY FINANCIAL STATEMENTS (Details 2)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><span id="xdx_8B4_zO73xIa7RNv3" style="display: none">Schedule of parent corporation only condensed statements of cash flows</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20210101__20211231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_z0qlmOXV2Duc" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_490_20200101__20201231__srt--ConsolidatedEntitiesAxis__srt--ParentCompanyMember_zEL8naITzAl6" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td> </td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2021</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">2020</td></tr> <tr style="vertical-align: bottom"> <td> </td><td> </td> <td colspan="3" style="text-align: center"> </td><td> </td> <td colspan="3" style="text-align: right"> </td></tr> <tr id="xdx_40D_eus-gaap--NetCashProvidedByUsedInOperatingActivitiesAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 5.4pt">Cash Flows From Operating Activities</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--NetIncomeLoss_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="width: 56%; text-align: left; padding-left: 5.4pt">Net income</td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">7,010</td><td style="width: 1%; text-align: left"> </td><td style="width: 8%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 12%; text-align: right">2,890</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_i01B" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt"><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjustments to reconcile net income to net cash used in</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">operating activities:</span></p></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_eus-gaap--IncomeLossFromSubsidiariesNetOfTax_i02N_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">     Equity in undistributed earnings of subsidiaries</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(6,580</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(2,842</td><td style="text-align: left">)</td></tr> <tr id="xdx_40D_eus-gaap--IncreaseDecreaseInOtherOperatingAssets_i02N_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">     Net (increase) decrease in other assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(422</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">67</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_eus-gaap--IncreaseDecreaseInOtherOperatingLiabilities_i02_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">     Net decrease in other liabilities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(36</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(109</td><td style="padding-bottom: 1pt; text-align: left">)</td></tr> <tr id="xdx_407_eus-gaap--NetCashProvidedByUsedInOperatingActivities_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Net cash (used in) provided by operating activities</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">(28</td><td style="padding-bottom: 1pt; text-align: left">)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">6</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_zLqYg7PJG6i4" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 5.4pt">Net (decrease) increase in Cash and Cash Equivalents</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(28</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_iS_pn3n3_zyjLdreSfXDh" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Cash and Cash Equivalents, Beginning of year</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">215</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: right">209</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_40F_eus-gaap--CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_iE_pn3n3_z6JEzwES1X05" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Cash and Cash Equivalents, End of Year</td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">187</td><td style="padding-bottom: 2.5pt; text-align: left"> </td><td style="padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; text-align: right">215</td><td style="padding-bottom: 2.5pt; text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--SupplementalCashFlowInformationAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Supplemental Disclosure of Cash Paid During the Year for:</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--InterestPaidNet_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="padding-left: 5.4pt">     Interest</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">425</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">614</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--IncomeTaxesPaidNet_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="padding-left: 5.4pt">     Taxes</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3102">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">(166</td><td style="text-align: left">)</td></tr> </table> 7010000 2890000 -6580000 -2842000 -422000 67000 -36000 -109000 -28000 6000 -28000 6000 215000 209000 187000 215000 425000 614000 -166000 <p id="xdx_802_eus-gaap--QuarterlyFinancialInformationTextBlock_zNAHJLRoJRDh" style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b>NOTE 28 <span id="xdx_82D_ziyMFDvkulJ">SELECTED QUARTERLY INFORMATION (UNAUDITED)</span></b></span></p> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt; letter-spacing: -0.1pt"><b> </b></span></p> <table cellpadding="0" cellspacing="0" id="xdx_899_eus-gaap--ScheduleOfQuarterlyFinancialInformationTableTextBlock_pn3n3_zsXJpy0r0Y8f" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - SELECTED QUARTERLY INFORMATION (UNAUDITED) (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><span id="xdx_8B2_znxtwwSEwBm4" style="display: none">Schedule of selected quarterly information</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20211001__20211231_zz507H0M2F76" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20210701__20210930_zXGIoajwvFMh" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20210401__20210630_zj98q6i6MfJ1" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20210101__20210331_zm6EaOkNRopk" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold; text-align: center"/><td style="padding-bottom: 1pt"> </td> <td colspan="15" style="border-bottom: Black 1pt solid; text-align: center"><b>2021 QUARTERS</b></td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-style: italic">(Dollars in thousands except per share data)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Fourth</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Third</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Second</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">First</td></tr> <tr id="xdx_404_eus-gaap--IncomeStatementAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 5.4pt">Income statement</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--InterestIncomeExpenseNet_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="width: 40%; text-align: left; padding-left: 5.4pt">Net interest income</td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">6,729</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">7,418</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">6,651</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">6,413</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--ProvisionForLoanLeaseAndOtherLosses_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Provision for loan losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3120">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3121">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">186</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">186</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--NoninterestIncome_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Noninterest income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,503</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,970</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,378</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,129</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--NoninterestExpense_i01_pn3n3_zsxuDGRJlvv2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Noninterest expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,727</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,067</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,724</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,349</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--NetIncomeLoss_i01_pn3n3_zMcl0Vw1jx8e" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Net income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,917</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,845</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,663</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,585</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--EarningsPerSharesBasicAndDiluted_i01_pip0_zjuzqEEO0TPl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Earnings per share, basic and diluted <span id="xdx_F49_zmMS4eoAkXyc">*</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.08</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.08</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.07</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.07</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--BalanceSheetRelatedDisclosuresAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 5.4pt">Period end balance sheet</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--PaymentsForProceedsFromLoansReceivable_i01_pn3n3_zKfxjfX6BKZf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Total loans receivable</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">593,744</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">574,053</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">591,914</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">594,454</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--AssetImpairmentCharges_i01_pn3n3_zAnEYpgTMpS5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Total assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">794,647</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">800,849</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">797,588</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">810,266</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--IncreaseDecreaseInDeposits_i01_pn3n3_z2jAO2gE8v9i" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Total deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">707,513</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">713,489</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">711,367</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">720,954</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_ecustom--TotalStockholdersEquity_i01_pn3n3_z62k3hP8lNi3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Total stockholders’ equity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">63,631</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">62,518</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">60,964</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">59,347</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> </table> <p style="margin: 0"/> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; font-weight: bold; text-align: center; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td colspan="14" style="border-bottom: Black 1pt solid; text-align: center"><b>2020 QUARTERS</b></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; width: 40%"/><td style="padding-bottom: 1pt; width: 3%"> </td> <td style="border-bottom: Black 1pt solid; text-align: left; width: 1%"> </td><td id="xdx_494_20201001__20201231_zMwkAlQ5nGI7" style="border-bottom: Black 1pt solid; text-align: right; width: 10%"> </td><td style="padding-bottom: 1pt; text-align: left; width: 1%"> </td><td style="padding-bottom: 1pt; width: 3%"> </td> <td style="border-bottom: Black 1pt solid; text-align: left; width: 1%"> </td><td id="xdx_49E_20200701__20200930_z8AKRi1Dvek" style="border-bottom: Black 1pt solid; text-align: right; width: 10%"> </td><td style="padding-bottom: 1pt; text-align: left; width: 1%"> </td><td style="padding-bottom: 1pt; width: 3%"> </td> <td style="border-bottom: Black 1pt solid; text-align: left; width: 1%"> </td><td id="xdx_493_20200401__20200630_z3aO9QfOv687" style="border-bottom: Black 1pt solid; text-align: right; width: 10%"> </td><td style="padding-bottom: 1pt; text-align: left; width: 1%"> </td><td style="padding-bottom: 1pt; width: 3%"> </td> <td style="border-bottom: Black 1pt solid; text-align: left; width: 1%"> </td><td id="xdx_49A_20200101__20200331_zOpBuJXPHKtb" style="border-bottom: Black 1pt solid; text-align: right; width: 10%"> </td><td style="padding-bottom: 1pt; text-align: left; width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-style: italic; text-align: left; padding-bottom: 1pt; padding-left: 10pt">(Dollars in thousands except per share data)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fourth</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Second</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">First</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--IncomeStatementAbstract_iB_z9jnvZN7x7e2" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 10pt">Income statement</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--InterestIncomeExpenseNet_i01_pn3n3_zYmSNbfRCeP8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 10pt">Net interest income</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">6,447</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,414</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">6,140</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">6,142</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--ProvisionForLoanLeaseAndOtherLosses_i01_pn3n3_zdvxJE9TbpId" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 10pt">Noninterest income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">300</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">450</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">550</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,000</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--NoninterestIncome_i01_pn3n3_zWfOw53GfP6f" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 10pt">Provision for loan losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,234</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,116</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,628</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,165</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--NoninterestExpense_i01_pn3n3_zv4lRfGGj7W2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 10pt">Noninterest expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,272</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,282</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,192</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,251</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--NetIncomeLoss_i01_pn3n3_zBSPukIkoaOh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 10pt">Net income (loss)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,391</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,424</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">29</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">46</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--EarningsPerSharesBasicAndDiluted_i01_pip0_zSb49TpYwcKg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 10pt">Earnings (loss) per share, basic and diluted</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.06</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.06</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.00</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--BalanceSheetRelatedDisclosuresAbstract_iB_zqCXz4VYOl3k" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 10pt">Period end balance sheet</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--PaymentsForProceedsFromLoansReceivable_i01_pn3n3_zDCNyRM0gPY8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 10pt">Total loans receivable</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">575,566</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">585,122</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">587,566</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">560,468</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--AssetImpairmentCharges_i01_pn3n3_zMWaFyjoomQb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 10pt">Total assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">756,302</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">749,125</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">754,651</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">715,144</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--IncreaseDecreaseInDeposits_i01_pn3n3_z5uKZJq1j1Xe" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 10pt">Total deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">668,012</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">661,672</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">668,404</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">629,525</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--TotalStockholdersEquity_i01_pn3n3_zvJIcSeThxwl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 10pt">Total stockholders’ equity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">58,177</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">56,919</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">55,473</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">55,251</td><td style="text-align: left"> </td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <table border="0" cellpadding="0" cellspacing="0" style="font: 8pt Arial, Helvetica, Sans-Serif; width: 100%"> <tr style="vertical-align: top"> <td style="text-align: justify; padding-left: 10pt; text-indent: -10pt; width: 3pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b id="xdx_F00_zTxWKZIEgZUf">*</b></span></td> <td style="text-align: justify; padding-left: 10pt; text-indent: -10pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b id="xdx_F1F_zLFBCcza9Wil">- For 2021, quarterly income per share does not total year-to-date income per share due to rounding.</b></span></td></tr> </table> <table cellpadding="0" cellspacing="0" id="xdx_899_eus-gaap--ScheduleOfQuarterlyFinancialInformationTableTextBlock_pn3n3_zsXJpy0r0Y8f" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - SELECTED QUARTERLY INFORMATION (UNAUDITED) (Details)"> <tr style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt"><span id="xdx_8B2_znxtwwSEwBm4" style="display: none">Schedule of selected quarterly information</span></td><td> </td> <td style="text-align: left"> </td><td id="xdx_49B_20211001__20211231_zz507H0M2F76" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49C_20210701__20210930_zXGIoajwvFMh" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_49E_20210401__20210630_zj98q6i6MfJ1" style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td id="xdx_496_20210101__20210331_zm6EaOkNRopk" style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-weight: bold; text-align: center"/><td style="padding-bottom: 1pt"> </td> <td colspan="15" style="border-bottom: Black 1pt solid; text-align: center"><b>2021 QUARTERS</b></td></tr> <tr style="vertical-align: bottom"> <td style="padding-bottom: 1pt; font-style: italic">(Dollars in thousands except per share data)</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Fourth</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Third</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">Second</td><td style="padding-bottom: 1pt"> </td> <td colspan="3" style="border-bottom: Black 1pt solid; text-align: center">First</td></tr> <tr id="xdx_404_eus-gaap--IncomeStatementAbstract_iB" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 5.4pt">Income statement</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--InterestIncomeExpenseNet_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="width: 40%; text-align: left; padding-left: 5.4pt">Net interest income</td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">6,729</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">7,418</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left"> </td><td style="width: 10%; text-align: right">6,651</td><td style="width: 1%; text-align: left"> </td><td style="width: 3%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 10%; text-align: right">6,413</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--ProvisionForLoanLeaseAndOtherLosses_i01_pn3n3" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Provision for loan losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3120">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"><span style="-sec-ix-hidden: xdx2ixbrl3121">—</span>  </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">186</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">186</td><td style="text-align: left"> </td></tr> <tr id="xdx_406_eus-gaap--NoninterestIncome_i01_pn3n3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Noninterest income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,503</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,970</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,378</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,129</td><td style="text-align: left"> </td></tr> <tr id="xdx_40D_eus-gaap--NoninterestExpense_i01_pn3n3_zsxuDGRJlvv2" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Noninterest expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,727</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">8,067</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,724</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,349</td><td style="text-align: left"> </td></tr> <tr id="xdx_404_eus-gaap--NetIncomeLoss_i01_pn3n3_zMcl0Vw1jx8e" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Net income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,917</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,845</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,663</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,585</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_ecustom--EarningsPerSharesBasicAndDiluted_i01_pip0_zjuzqEEO0TPl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Earnings per share, basic and diluted <span id="xdx_F49_zmMS4eoAkXyc">*</span></td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.08</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.08</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.07</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.07</td><td style="text-align: left"> </td></tr> <tr id="xdx_400_eus-gaap--BalanceSheetRelatedDisclosuresAbstract_iB" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 5.4pt">Period end balance sheet</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--PaymentsForProceedsFromLoansReceivable_i01_pn3n3_zKfxjfX6BKZf" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Total loans receivable</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">593,744</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">574,053</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">591,914</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">594,454</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--AssetImpairmentCharges_i01_pn3n3_zAnEYpgTMpS5" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Total assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">794,647</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">800,849</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">797,588</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">810,266</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--IncreaseDecreaseInDeposits_i01_pn3n3_z2jAO2gE8v9i" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 5.4pt">Total deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">707,513</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">713,489</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">711,367</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">720,954</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_ecustom--TotalStockholdersEquity_i01_pn3n3_z62k3hP8lNi3" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 5.4pt">Total stockholders’ equity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">63,631</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">62,518</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">60,964</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">59,347</td><td style="text-align: left"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: center; padding-left: 5.4pt"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> </table> <p style="margin: 0"/> <table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%"> <tr style="vertical-align: bottom; background-color: White"> <td style="padding-bottom: 1pt; font-weight: bold; text-align: center; padding-left: 5.4pt"> </td><td style="padding-bottom: 1pt"> </td> <td style="padding-bottom: 1pt; text-align: left"> </td><td colspan="14" style="border-bottom: Black 1pt solid; text-align: center"><b>2020 QUARTERS</b></td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: center; padding-bottom: 1pt; padding-left: 5.4pt; width: 40%"/><td style="padding-bottom: 1pt; width: 3%"> </td> <td style="border-bottom: Black 1pt solid; text-align: left; width: 1%"> </td><td id="xdx_494_20201001__20201231_zMwkAlQ5nGI7" style="border-bottom: Black 1pt solid; text-align: right; width: 10%"> </td><td style="padding-bottom: 1pt; text-align: left; width: 1%"> </td><td style="padding-bottom: 1pt; width: 3%"> </td> <td style="border-bottom: Black 1pt solid; text-align: left; width: 1%"> </td><td id="xdx_49E_20200701__20200930_z8AKRi1Dvek" style="border-bottom: Black 1pt solid; text-align: right; width: 10%"> </td><td style="padding-bottom: 1pt; text-align: left; width: 1%"> </td><td style="padding-bottom: 1pt; width: 3%"> </td> <td style="border-bottom: Black 1pt solid; text-align: left; width: 1%"> </td><td id="xdx_493_20200401__20200630_z3aO9QfOv687" style="border-bottom: Black 1pt solid; text-align: right; width: 10%"> </td><td style="padding-bottom: 1pt; text-align: left; width: 1%"> </td><td style="padding-bottom: 1pt; width: 3%"> </td> <td style="border-bottom: Black 1pt solid; text-align: left; width: 1%"> </td><td id="xdx_49A_20200101__20200331_zOpBuJXPHKtb" style="border-bottom: Black 1pt solid; text-align: right; width: 10%"> </td><td style="padding-bottom: 1pt; text-align: left; width: 1%"> </td></tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-style: italic; text-align: left; padding-bottom: 1pt; padding-left: 10pt">(Dollars in thousands except per share data)</td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fourth</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">Second</span></td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: center"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt">First</span></td><td style="padding-bottom: 1pt; text-align: left"> </td></tr> <tr id="xdx_403_eus-gaap--IncomeStatementAbstract_iB_z9jnvZN7x7e2" style="vertical-align: bottom; background-color: White"> <td style="font-weight: bold; text-align: left; padding-left: 10pt">Income statement</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--InterestIncomeExpenseNet_i01_pn3n3_zYmSNbfRCeP8" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 10pt">Net interest income</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">6,447</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,414</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">6,140</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">6,142</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_eus-gaap--ProvisionForLoanLeaseAndOtherLosses_i01_pn3n3_zdvxJE9TbpId" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 10pt">Noninterest income</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">300</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">450</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">550</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,000</td><td style="text-align: left"> </td></tr> <tr id="xdx_407_eus-gaap--NoninterestIncome_i01_pn3n3_zWfOw53GfP6f" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 10pt">Provision for loan losses</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,234</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,116</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,628</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,165</td><td style="text-align: left"> </td></tr> <tr id="xdx_409_eus-gaap--NoninterestExpense_i01_pn3n3_zv4lRfGGj7W2" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 10pt">Noninterest expense</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,272</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">6,282</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,192</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">7,251</td><td style="text-align: left"> </td></tr> <tr id="xdx_40C_eus-gaap--NetIncomeLoss_i01_pn3n3_zBSPukIkoaOh" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 10pt">Net income (loss)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,391</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">1,424</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">29</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">46</td><td style="text-align: left"> </td></tr> <tr id="xdx_40B_ecustom--EarningsPerSharesBasicAndDiluted_i01_pip0_zSb49TpYwcKg" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 10pt">Earnings (loss) per share, basic and diluted</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.06</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.06</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.00</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">0.00</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--BalanceSheetRelatedDisclosuresAbstract_iB_zqCXz4VYOl3k" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-weight: bold; text-align: left; padding-left: 10pt">Period end balance sheet</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr> <tr id="xdx_405_eus-gaap--PaymentsForProceedsFromLoansReceivable_i01_pn3n3_zDCNyRM0gPY8" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 10pt">Total loans receivable</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">575,566</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">585,122</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">587,566</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">560,468</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--AssetImpairmentCharges_i01_pn3n3_zMWaFyjoomQb" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 10pt">Total assets</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">756,302</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">749,125</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">754,651</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">715,144</td><td style="text-align: left"> </td></tr> <tr id="xdx_402_eus-gaap--IncreaseDecreaseInDeposits_i01_pn3n3_z5uKZJq1j1Xe" style="vertical-align: bottom; background-color: White"> <td style="text-align: left; padding-left: 10pt">Total deposits</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">668,012</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">661,672</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">668,404</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">629,525</td><td style="text-align: left"> </td></tr> <tr id="xdx_40E_ecustom--TotalStockholdersEquity_i01_pn3n3_zvJIcSeThxwl" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: left; padding-left: 10pt">Total stockholders’ equity</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">58,177</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">56,919</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">55,473</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">55,251</td><td style="text-align: left"> </td></tr> </table> <p style="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b> </b></span></p> <table border="0" cellpadding="0" cellspacing="0" style="font: 8pt Arial, Helvetica, Sans-Serif; width: 100%"> <tr style="vertical-align: top"> <td style="text-align: justify; padding-left: 10pt; text-indent: -10pt; width: 3pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b id="xdx_F00_zTxWKZIEgZUf">*</b></span></td> <td style="text-align: justify; padding-left: 10pt; text-indent: -10pt"><span style="font-family: Times New Roman, Times, Serif; font-size: 10pt"><b id="xdx_F1F_zLFBCcza9Wil">- For 2021, quarterly income per share does not total year-to-date income per share due to rounding.</b></span></td></tr> </table> 6729000 7418000 6651000 6413000 186000 186000 2503000 2970000 2378000 2129000 6727000 8067000 6724000 6349000 1917000 1845000 1663000 1585000 593744000 574053000 591914000 594454000 794647000 800849000 797588000 810266000 707513000 713489000 711367000 720954000 6447000 6414000 6140000 6142000 300000 450000 550000 1000000 2234000 2116000 1628000 2165000 6272000 6282000 7192000 7251000 1391000 1424000 29000 46000 575566000 585122000 587566000 560468000 756302000 749125000 754651000 715144000 668012000 661672000 668404000 629525000 – Not within the scope of ASU 2014-9 EXCEL 90 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx M4$L#!!0 ( .F)?U0'04UB@0 +$ 0 9&]C4')O<',O87!P+GAM M;$V./0L",1!$_\IQO;=!P4)B0-!2L+(/>QLOD&1#LD)^OCG!CVX>;QA&WPIG M*N*I#BV&5(_C(I(/ !47BK9.7:=N')=HI6-Y #OGDK7A.YNJQ<&4GPZ4A!0W_J=0U[R;UEA_6\#MI7E!+ P04 M " #IB7]4&PE\R.T K @ $0 &1O8U!R;W!S+V-O&ULS9+! 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